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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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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.
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The VA said that, due to them having the 401k’s and property, he doesn’t qualify. I don’t understand this. Can someone give me some ideas of where to maybe go?
Yes, the VA has an income limit. If ur Uncle has property other than his home, then it needs to be sold for Uncles care. Aid and Attendance is for those Vets that their income is not enough to help pay for care they need.
What your Aunt needs to do is see a elder lawyer to help protect what is hers. Maybe then Uncle can apply with just his income. A question to ask VA is if Aunts 401k and SS can be counted. IMO that is her money she earned working.
Each case is different in regards to limits and a VA service organization (DAV etc.) usually can offer insight and assistance with application. I only can speak from our experience, we aren’t eligible yet due to a three year look back. We opened a trust two years ago that can help next year. The income of a spouse is considered part of household income. If they are spending a lot on various medical expenses, that can lower their income to show need. What I hate, someone in a facility can count the whole fee as an expense. We can count very little even though I basically am doing everything a facility does. He gets 24/7 care (had to give up potential earnings), he gets room and board… all utilities, nutrition, hands on care for ADLs etc. We could pay a friend or relative to help and it is an expense! I’m basically a 24/7 caregiver he can’t pay but all of my assets (very little) can keep us off Aid and Attendance! It literally takes an act of Congress to change laws before anything can improve.
What's not to understand? VA benefits (Aid & Attendance) are for those without assets enough to cover their own costs for care! Your aunt & uncle obviously have enough money TO cover their own care costs, via CDs, property & 401Ks. Once THOSE assets are used to cover their care & depleted, THEN they can apply for the VA to help them!
I think it's critical for you to understand that the VA has to set limits on assets. Someone who has more financial and property assets than someone who's itinerant doesn't need VA help.
There are scales for asset determination as it affects VA qualifications. Did your aunt ask any of the VA personnel with whom or to whom she provided the data what the scale levels were? I.e., at what level would his assets disqualify him?
If you really want more detail, I would suggest that your aunt and/or uncle or both contact one of the county, state, or even the local VA offices to get more information so that your uncle can understand how his assets affect his qualification.
You are allowed pretty much with A&A, much more than u would be allowed with Medicaid when it comes to assets. This Aunt and Uncle must be over that limit for the VA. If they have property other then the home they live in Medicaid will require it to be sold.
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.
What your Aunt needs to do is see a elder lawyer to help protect what is hers. Maybe then Uncle can apply with just his income. A question to ask VA is if Aunts 401k and SS can be counted. IMO that is her money she earned working.
There are scales for asset determination as it affects VA qualifications. Did your aunt ask any of the VA personnel with whom or to whom she provided the data what the scale levels were? I.e., at what level would his assets disqualify him?
If you really want more detail, I would suggest that your aunt and/or uncle or both contact one of the county, state, or even the local VA offices to get more information so that your uncle can understand how his assets affect his qualification.
With Medicaid, consideration is given to the "Community", i.e., non-institutionalized, spouse so that Aunt does not become impoverished.