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Who are you caring for?
Which best describes their mobility?
How well are they maintaining their hygiene?
How are they managing their medications?
Does their living environment pose any safety concerns?
Fall risks, spoiled food, or other threats to wellbeing
Are they experiencing any memory loss?
Which best describes your loved one's social life?
Acknowledgment of Disclosures and Authorization
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid. We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour. APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment. You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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Mostly Independent
Your loved one may not require home care or assisted living services at this time. However, continue to monitor their condition for changes and consider occasional in-home care services for help as needed.
Remember, this assessment is not a substitute for professional advice.
Share a few details and we will match you to trusted home care in your area:
Since you are married, in your state the asset limit for LTC care Medicaid for a married couple with 1 person applying is $2,000 in assets. You as the spouse can have up to $126, 420.
what age are you? If you are younger than 65 then the State you live in might have Medicaid expansion....then, the answer is they don’t care...only lower income qualifies,
if you are over the age of 65. Then you need to look at total assets (including your house).
How you arrive at the $126,420k for LTC in a facility Medicaid can be a bit of a moving target depending on what non-exempt assets look like. it’s not just $ in a checking account but rather all funds from whatever sources - savings, retirement accounts, investments, other property owned.
If your over the $126k, you as the community spouse might be able to have the overage moved into a SPIA that pays you & only you income. Your income does not count for hubs eligibility. Doing something like a SPIA (single premium immediate annuity) is imho not ever a DIY as it has to be compliant for Medicaid rules & be actuarial sound. Its stuff a CELA level of elder law attorney does, it’s not simple. SPIA are speciality underwriting done by a handful of firms & they work with CELA type of attys or some financial advisors. Not just any guy that holds an insurance license.
Also you do need to make sure, that your exempt assets are ok for Medicaid. Your house with a homestead exemption or is primary residence is an exempt asset if under 550k or 750/800k value (depends on your state as each state administrates its Medicaid programs uniquely but within federal guidelines ). Ditto for 1 car & this too has a value max placed by your state. For couples with 2 cars, this poses an issue so a decision has to be made abt what to do regarding the cars situation. And you’ve got to make sure his income is ok for whatever max your states sets for LTC NH. & if you need his income to live in the community, then you have to apply for CSRA or MMNA - think of these like old school type of alimony from his income waived over to you - for you as the CS (community spouse) - & there are ways to maximize the CSRA if your states general rate ain’t cutting it. Stuff like this not a DIY.
personally imo for an individual widow or widower LTC NH Medicaid application, a DPOA can totally do it if they’ve been involved with the elders life & there’s some semblance of organization in the elders life. But NH spouse/ community spouse stuff is complicated. You as the CS are NOT expected to impoverish yourself. Only hubs has to. But how to do that & do correctly not a DIY. Call around & meet with a couple of CELA level attorneys to find one you have a good vibe with.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
long term? What does that mean?
what age are you? If you are younger than 65 then the State you live in might have Medicaid expansion....then, the answer is they don’t care...only lower income qualifies,
if you are over the age of 65. Then you need to look at total assets (including your house).
it’s not just $ in a checking account but rather all funds from whatever sources - savings, retirement accounts, investments, other property owned.
If your over the $126k, you as the community spouse might be able to have the overage moved into a SPIA that pays you & only you income. Your income does not count for hubs eligibility. Doing something like a SPIA (single premium immediate annuity) is imho not ever a DIY as it has to be compliant for Medicaid rules & be actuarial sound. Its stuff a CELA level of elder law attorney does, it’s not simple. SPIA are speciality underwriting done by a handful of firms & they work with CELA type of attys or some financial advisors. Not just any guy that holds an insurance license.
Also you do need to make sure, that your exempt assets are ok for Medicaid. Your house with a homestead exemption or is primary residence is an exempt asset if under 550k or 750/800k value (depends on your state as each state administrates its Medicaid programs uniquely but within federal guidelines ). Ditto for 1 car & this too has a value max placed by your state. For couples with 2 cars, this poses an issue so a decision has to be made abt what to do regarding the cars situation. And you’ve got to make sure his income is ok for whatever max your states sets for LTC NH. & if you need his income to live in the community, then you have to apply for CSRA or MMNA - think of these like old school type of alimony from his income waived over to you - for you as the CS (community spouse) - & there are ways to maximize the CSRA if your states general rate ain’t cutting it. Stuff like this not a DIY.
personally imo for an individual widow or widower LTC NH Medicaid application, a DPOA can totally do it if they’ve been involved with the elders life & there’s some semblance of organization in the elders life. But NH spouse/ community spouse stuff is complicated. You as the CS are NOT expected to impoverish yourself. Only hubs has to. But how to do that & do correctly not a DIY. Call around & meet with a couple of CELA level attorneys to find one you have a good vibe with.