Are you sure you want to exit? Your progress will be lost.
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.
✔
I acknowledge and authorize
✔
I consent to the collection of my consumer health data.*
✔
I consent to the sharing of my consumer health data with qualified home care agencies.*
*If I am consenting on behalf of someone else, I have the proper authorization to do so. By clicking Get My Results, you agree to our Privacy Policy. You also consent to receive calls and texts, which may be autodialed, from us and our customer communities. Your consent is not a condition to using our service. Please visit our Terms of Use. for information about our privacy practices.
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:
What you are going to apply for is called the MMNA - Monthly Maintenance Needs Allowance. What MMNA does is enable the "community spouse" (that is you and it means living in the community) to be able to continue to live on their own without themselves becoming impoverished. Hubby is the only one who needs to become impoverished to meet Medicaid's financial requirements.
How MMNA works is 2 ways: Hubby once in a NH on Medicaid, will be required to do a co-pay or his "SOC" (his share of cost in Medicaidspeak) of all HIS monthly income to the NH less whatever your state has as it's personal needs allowance. The PNA ranges from $ 35 - 90 a month and the amount varies by state. Like for TX the PNA is $ 60 a month that they get to keep. Now the PNA is totally different from the MMNA. Yeah, it's confusing to keep all this straight…….!!!
Now if you need some of hubby's income to make ends meet or to continue to maintain your standard of living, then you apply for MMNA. So Whatever income he is supposed to pay the NH as his SOC will then be diverted to pay you a MMNA. Understand? Now the MMNA seems to vary by state and there seems to a baseline formula that most states use.
Some states have the MMNA high. Like for TX the MMNA is about $ 2,300.00. Other states have it lower. Now if you have unusual expenses, like you still have children at home (could happen if you are much younger 2nd or 3rd wife); or you still have a mortgage to pay or you yourself have super expensive medication bills, you can appeal the MMNA amount if it's not enough. In a way the MMNA is kinda like an alimony payment to enable the spouse to continue living as they were when hubby was at home and she had full use of all his income.
There was someone on this site, who's mom was the CS and it ended up that hubby's co-pay to the NH ended up being just $ 40.00 a month and all the rest of his income went to his wife's MMNA.
Personally, I think the whole Community Spouse issues are pretty complicated. And you probably are distracted in dealing with hubby's needs to concentrate on your CS situation. Really having an elder law attorney who can go over your CS situation and your finances is probably best. Also there are a lot of issues for CS that can be a problem for the Medicaid NH spouse if something should happen to the CS spouse. Like most couples have each other as their beneficiary on their life insurance policies. That is OK for you for him. But NOT for him for you. Because if you should die before him and get gets the life insurance money it will make him ineligible for Medicaid. And who will be there to deal with this for him? You want to change the insurance and this is just the sort of thing the elder law attorney can work with you to do. Somewhere I read where spouses who do not have dementia outlive their NH spouse by 12 years and that is a long time. You want to do whatever to keep as much of the $ as you will likely need it. Good luck.
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.
How MMNA works is 2 ways:
Hubby once in a NH on Medicaid, will be required to do a co-pay or his "SOC" (his share of cost in Medicaidspeak) of all HIS monthly income to the NH less whatever your state has as it's personal needs allowance. The PNA ranges from $ 35 - 90 a month and the amount varies by state. Like for TX the PNA is $ 60 a month that they get to keep. Now the PNA is totally different from the MMNA. Yeah, it's confusing to keep all this straight…….!!!
Now if you need some of hubby's income to make ends meet or to continue to maintain your standard of living, then you apply for MMNA. So Whatever income he is supposed to pay the NH as his SOC will then be diverted to pay you a MMNA. Understand? Now the MMNA seems to vary by state and there seems to a baseline formula that most states use.
Some states have the MMNA high. Like for TX the MMNA is about $ 2,300.00. Other states have it lower. Now if you have unusual expenses, like you still have children at home (could happen if you are much younger 2nd or 3rd wife); or you still have a mortgage to pay or you yourself have super expensive medication bills, you can appeal the MMNA amount if it's not enough. In a way the MMNA is kinda like an alimony payment to enable the spouse to continue living as they were when hubby was at home and she had full use of all his income.
There was someone on this site, who's mom was the CS and it ended up that hubby's co-pay to the NH ended up being just $ 40.00 a month and all the rest of his income went to his wife's MMNA.
Personally, I think the whole Community Spouse issues are pretty complicated. And you probably are distracted in dealing with hubby's needs to concentrate on your CS situation. Really having an elder law attorney who can go over your CS situation and your finances is probably best. Also there are a lot of issues for CS that can be a problem for the Medicaid NH spouse if something should happen to the CS spouse. Like most couples have each other as their beneficiary on their life insurance policies. That is OK for you for him. But NOT for him for you. Because if you should die before him and get gets the life insurance money it will make him ineligible for Medicaid. And who will be there to deal with this for him?
You want to change the insurance and this is just the sort of thing the elder law attorney can work with you to do. Somewhere I read where spouses who do not have dementia outlive their NH spouse by 12 years and that is a long time. You want to do whatever to keep as much of the $ as you will likely need it. Good luck.