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She left her home to permanently live in a nursing home in January 2017. The house is reverse mortgaged. She recieved a lump sum and the money is gone. We need to sell her house to pay back the reverse mortgage loan.
Either mom or whomever is her DPOA should contact the RM to see what the pay-off for RM and its interest, fees, etc will be. Lump sum will have had the bigger cost than a line of credit RM. Could possibly be that there will NOT be any $ left or it's so small that mom could do a spend down without impacting Medicaid.
? For you? mom is already on medicaid, right? So your worry is that if she gets even just a wee bit more $ it makes her ineligible for Medicaid, that's it, right? If so, here's my suggestion: let's say that after house sold there actually will be $ left, say 22k. What you ideally want is to have the closing / act of sale happen right at the very beginning of the month. Then mom does a massive spend down of 20k within 4 weeks so that she ends the month with under 2k in assets. So she starts the month ok for Medicaid and then ends it ok for medicaid.
22k: 2k into assets (allowed by medicaid); fully paid funeral burial preneed 8k; dental work 10k; update wardrobe to clothing that works for NH heavy duty laundry system 1k; couple pairs new eyeglassses & a new hearing aid 1k. 22k spent legitimately on things and easily.
Really try to find out what the #'s are likely to be before you let yourself go into overdrive with worry.
If its a lot of $$$, post and update as lots of us on this site have done bigger spend downs and folks will have suggestions. Personally I'm a big fan of spending down on dental work as its really not covered by Medicare & Medicaid.
If there is a good bit of money left over, it will probably disqualify her for Medicaid. You could apply the money from the house to her care, then reapply for Medicaid if she should run out. It is a bit of a pain, but it is something that goes with selling an asset while someone is on Medicaid.
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.
? For you? mom is already on medicaid, right? So your worry is that if she gets even just a wee bit more $ it makes her ineligible for Medicaid, that's it, right? If so, here's my suggestion: let's say that after house sold there actually will be $ left, say 22k. What you ideally want is to have the closing / act of sale happen right at the very beginning of the month. Then mom does a massive spend down of 20k within 4 weeks so that she ends the month with under 2k in assets. So she starts the month ok for Medicaid and then ends it ok for medicaid.
22k: 2k into assets (allowed by medicaid); fully paid funeral burial preneed 8k; dental work 10k; update wardrobe to clothing that works for NH heavy duty laundry system 1k; couple pairs new eyeglassses & a new hearing aid 1k. 22k spent legitimately on things and easily.
Really try to find out what the #'s are likely to be before you let yourself go into overdrive with worry.
If its a lot of $$$, post and update as lots of us on this site have done bigger spend downs and folks will have suggestions. Personally I'm a big fan of spending down on dental work as its really not covered by Medicare & Medicaid.
What about a trust for proceeds? She needs dental work but not $75 worth.