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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.
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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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My mom owns a home and has a mortgage on it. There will be a very small amount of sales proceeds left after the closing ($10,000 +/-). Who gets this money?
So if house sells, there's going to be about 10k to mom? That's it right? That's a pretty low amountof $. I'd try to find things to do a 10k spend down for mom so that the $isNOT an issue for Medicaid.
Medicaid needs them to start & end the month within Medicaid's assets (2k) and income (amount set by your state & varies, like for my mom it was $ 2,064 a mo.) limits. Otherwise they become ineligible & have to reapply, deal with NH billing office, etc. For 10k, it's a lot of bother & if you can find a way around this it would be a good thing.
Here's my suggestions- 1st get the Actof Sale to be scheduled right at the beginning of the month. Like between 1st - 3rd.this gives you as DPOA the maximum amount of time to get through a spend down. So that mom ends her month back at impoverished amount OK for Medicaid. 2nd if she does not have a fully paid preneed done for funeral & burial, buy her this. It needs to be within Medicaid's limits. So check with medicaid caseworker. Policy needs to be irrecovable. They can cost easily 6k - 8k. So this alone uses up a big chunk of house $. 3rd buy her things that are not covered by Medicaid. Dental care, eyeglasses, better hearing aids, better wheelchairs & walkers all would be good. Things like this are obviously for her & with supporting receipts. So no issue with medicaid.Dental is expensive, it alone could be 10k, although it might be hard to get done within a single month.
Mom needs to get house $; spend it down ASAP; so all clear her bank account, so she ends her month back at the 2k asset maximum.
Mitzy, if Mom sells her house, then any equity belongs to Mom if she is the sole owner.... thus Mom would need to be self-pay at the nursing home, and after the $10K is used up, then Medicaid will start back up paying for her care.
Hopefully you are Mom's financial Power of Attorney, so that you can sign any legal documents regarding the SALE if Mom unable to do so. Does the POA give the address of the property that is own by Mom? Usually settlement/title companies request that on a POA so that the house can go to closing once it is sold.
If not, check with your Realtor to see if he/she thinks your POA is acceptable. Usually a Realtor can check with a settlement/title company. If the POA is not acceptable, then a settlement/title company will ask for your Mom to sign a new one [if she is able].
Just a hint, if Mom's house needs updating, don't bother with spending any time finding contractors and spending money on her house. Sell the house "as is" as there are fixer-uppers out there that like buying houses that need work. I did that with my Dad's house.
You will have your hands full trying to empty out the house. It took me 3 months to complete the job after work and on weekends. What to keep, what to donate, what to toss.... [sigh].
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.
Medicaid needs them to start & end the month within Medicaid's assets (2k) and income (amount set by your state & varies, like for my mom it was $ 2,064 a mo.) limits. Otherwise they become ineligible & have to reapply, deal with NH billing office, etc. For 10k, it's a lot of bother & if you can find a way around this it would be a good thing.
Here's my suggestions-
1st get the Actof Sale to be scheduled right at the beginning of the month. Like between 1st - 3rd.this gives you as DPOA the maximum amount of time to get through a spend down. So that mom ends her month back at impoverished amount OK for Medicaid.
2nd if she does not have a fully paid preneed done for funeral & burial, buy her this. It needs to be within Medicaid's limits. So check with medicaid caseworker. Policy needs to be irrecovable. They can cost easily 6k - 8k. So this alone uses up a big chunk of house $.
3rd buy her things that are not covered by Medicaid. Dental care, eyeglasses, better hearing aids, better wheelchairs & walkers all would be good. Things like this are obviously for her & with supporting receipts. So no issue with medicaid.Dental is expensive, it alone could be 10k, although it might be hard to get done within a single month.
Mom needs to get house $; spend it down ASAP; so all clear her bank account, so she ends her month back at the 2k asset maximum.
Hopefully you are Mom's financial Power of Attorney, so that you can sign any legal documents regarding the SALE if Mom unable to do so. Does the POA give the address of the property that is own by Mom? Usually settlement/title companies request that on a POA so that the house can go to closing once it is sold.
If not, check with your Realtor to see if he/she thinks your POA is acceptable. Usually a Realtor can check with a settlement/title company. If the POA is not acceptable, then a settlement/title company will ask for your Mom to sign a new one [if she is able].
Just a hint, if Mom's house needs updating, don't bother with spending any time finding contractors and spending money on her house. Sell the house "as is" as there are fixer-uppers out there that like buying houses that need work. I did that with my Dad's house.
You will have your hands full trying to empty out the house. It took me 3 months to complete the job after work and on weekends. What to keep, what to donate, what to toss.... [sigh].
It's an exempt asset under Medicaid, although they will put a lien on it.
The proceeds will need to be spent down quickly in order for mom not to be disqualified from Medicaid.