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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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I want to purchase my mother's home, she lives in an assisted living facility. The house is worth less than 200,000 , how can I purchase without affecting my mothers Medicaid benefits?
Reality is that most of the time unless you have till 2018 before mom needs a NH, you can't do it without mom facing either a spend-down of the money you paid to her OR a transfer penalty inquiry for the sale if she gifts the house to you for less than a appraised value or the current tax assessor value. There are things you can do to in the long -term to safeguard the property, but all that involves long term planning. Like 5 full years.
If mom is already in AL and the switch to NH is right around the corner, you just don't have that opportunity. When they do the Medicaid application, it will ask them for a history of where they lived and if they own a home or when they sold or transferred it. All this info is in the state's database and will be an easy match-up as all real property details is there.
But mom does not have to sell the house. Most states have the homesteaded property allowed as an exempt asset for their lifetime. Now mom won't have any funds to pay for house items (taxes, insurance, maintenance, etc), but if the house is empty whomever pays for those items can seek reinbursement of all that from the estate in probate. Those costs are exemptions for Medicaid estate recovery. this is the MERP program and all states are required to do MERP. When they do a Medicaid application, there will be an acknowledgement of MERP statement within the application which allows for the state to place a claim or a lein on the property. Again this is based on just how your state approaches property ownership and probate / estate laws. There are also alot of other exemptions for MERP, like for caregivers. Your state's program is going to have this on their website. Like if the property is the site of a family business or those inheiriting the house are at a low income level.
As jessiebelle said, speak with a good attorney regarding this BEFORE you do anything, Each state runs it's Medicaid program based on the nuances of its state law. Just another item.....most states are now contracting out MERP and it is now very proactive in placing a claim or liens. The bigger title companies are now wanting to see a release of the MERP claim or lein before they will issue title insurance. If you google TRGC Stargazer MERP, (they are a big underwriters) there is a great article on the whole issue of clean title and MERP which you as a Realtor should be aware of. Good luck.
agingrealtor, I can't think of a way you can purchase the house without affecting your mother's Medicaid. If you purchase the house now, the money would have to be spent for her care before she could again qualify for help from Medicaid. You can wait, but unless there are some exemptions, the house may have a lien on it so that the state can recover some of the money spent on her care after her death. Money that is excess of the exemptions will go to the state. From your name, I assume you are a realtor. Talk to one of the attorneys you know to see what would be the best way and time to purchase the home under your own circumstances. He/she would probably have more spot-on advice for you.
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.
If mom is already in AL and the switch to NH is right around the corner, you just don't have that opportunity. When they do the Medicaid application, it will ask them for a history of where they lived and if they own a home or when they sold or transferred it. All this info is in the state's database and will be an easy match-up as all real property details is there.
But mom does not have to sell the house. Most states have the homesteaded property allowed as an exempt asset for their lifetime. Now mom won't have any funds to pay for house items (taxes, insurance, maintenance, etc), but if the house is empty whomever pays for those items can seek reinbursement of all that from the estate in probate. Those costs are exemptions for Medicaid estate recovery.
this is the MERP program and all states are required to do MERP. When they do a Medicaid application, there will be an acknowledgement of MERP statement within the application which allows for the state to place a claim or a lein on the property.
Again this is based on just how your state approaches property ownership and probate / estate laws. There are also alot of other exemptions for MERP, like for caregivers. Your state's program is going to have this on their website. Like if the property is the site of a family business or those inheiriting the house are at a low income level.
As jessiebelle said, speak with a good attorney regarding this BEFORE you do anything, Each state runs it's Medicaid program based on the nuances of its state law. Just another item.....most states are now contracting out MERP and it is now very proactive in placing a claim or liens. The bigger title companies are now wanting to see a release of the MERP claim or lein before they will issue title insurance. If you google TRGC Stargazer MERP, (they are a big underwriters) there is a great article on the whole issue of clean title and MERP which you as a Realtor should be aware of. Good luck.