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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.
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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.
Remember, this assessment is not a substitute for professional advice.
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By QIT your referring to what is also called a Miller Trust, right?
So your elder is needing to reduce their monthly income be eligible for Medicaid to pay for their NH, right? & all assets have been properly spent down? If so the QIT/Miller will need to be done in tandem with thier medicaid application. And how that happens will depend on how your states Medicaid program is administered & your states laws. You as thier dpoa need to clearly find out from Medicaid how to approach how Miller & Medicaid application gets done for your state.
Some states have a QIT packet that needs to be filled out and submitted that places the assets into an irrevocable trust ownership to the state and provides info for the banking institution as how to do. Other states expect the applicant to have an their own atty review the assets to ensure they are “qualified” for a Miller and draw up the QIT documents which dpoa takes to the bank. I think some states have preferred banks for QiTs like some banks are SBA preferred lenders.
Not all retirements or income sources can meet QIT criteria. Are you solid on this?
Really to me it would be very worthwhile to get all of your Parents info and meet with an atty before doing the Medicaid application and QIT.
The powers given under the Power of Attorney are defined by the document itself, and the applicable state laws. You should read the POA carefully, and then the related statutes. In general, a POA is usually able to enter into financial transactions that are in the principal's best interest. Beyond that, you will need to consult with a qualified elder law or estate planning attorney.
Really before you even go down this path, gather up all their financials (including life insurance) and paperwork on all real property ownership, then do a “face sheet” on them and schedule an appt with an elder law atty. Personally I’d go CELA or NAELA atty. if they have anything beyond SS, Fed/State retirements, term life and a fully owned house that needs to be dealt with.
Face sheet is a 1 or maybe 2 page listing of all the important details on them, like dob, dates on all marriages, divorces, all kids even if some deceased, real property listing, last statement value on assets.
Try to get on this soon cause IF a assumed to be totally good for QiT income source is actually not guaranteed/ not eligible, there is going to need to be a spend down or horror-of-horrors a surrender done with the asset instead. That kind of stuff inevitably takes t..i...m...e.
Please realize that a QIT / Miller once done makes state beneficiary. If the income source will have beyond death funding, you / DPOA / executor need to know how to deal with that scenario and think of who would do and at what cost.
Also please try to keep in mind that although oodles of emphasis on $$ & Medicaid, they have to “at need” BOTH medically AND financially for Medicaid. Just being old, iffy on ADLs, needing medication management not enough to show “need”. Many states only cover if skilled nursing care is required or have very limited waiver programs for community based or AL with waiting lists. CA, based on posts on this site, has shifted entry to LTC Medicaid to require a discharge to a LTC facility from a hospitalization; it’s just time before other states follow CA or something else even more restrictive. From a health policy & planning viewpoint, it completely makes sense
One of the experts on this site, Gabriel Heiser, has a really excellent book that gives an overview of how all the interlocking aspects of Medicaid (& Medicare) work for families that’s understandable, “Medicaid Secrets”. On Amazon and at libraries too.
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.
So your elder is needing to reduce their monthly income be eligible for Medicaid to pay for their NH, right? & all assets have been properly spent down?
If so the QIT/Miller will need to be done in tandem with thier medicaid application. And how that happens will depend on how your states Medicaid program is administered & your states laws. You as thier dpoa need to clearly find out from Medicaid how to approach how Miller & Medicaid application gets done for your state.
Some states have a QIT packet that needs to be filled out and submitted that places the assets into an irrevocable trust ownership to the state and provides info for the banking institution as how to do. Other states expect the applicant to have an their own atty review the assets to ensure they are “qualified” for a Miller and draw up the QIT documents which dpoa takes to the bank. I think some states have preferred banks for QiTs like some banks are SBA preferred lenders.
Not all retirements or income sources can meet QIT criteria. Are you solid on this?
Really to me it would be very worthwhile to get all of your Parents info and meet with an atty before doing the Medicaid application and QIT.
Face sheet is a 1 or maybe 2 page listing of all the important details on them, like dob, dates on all marriages, divorces, all kids even if some deceased, real property listing, last statement value on assets.
Try to get on this soon cause IF a assumed to be totally good for QiT income source is actually not guaranteed/ not eligible, there is going to need to be a spend down or horror-of-horrors a surrender done with the asset instead. That kind of stuff inevitably takes t..i...m...e.
Please realize that a QIT / Miller once done makes state beneficiary. If the income source will have beyond death funding, you / DPOA / executor need to know how to deal with that scenario and think of who would do and at what cost.
Also please try to keep in mind that although oodles of emphasis on $$ & Medicaid, they have to “at need” BOTH medically AND financially for Medicaid. Just being old, iffy on ADLs, needing medication management not enough to show “need”. Many states only cover if skilled nursing care is required or have very limited waiver programs for community based or AL with waiting lists. CA, based on posts on this site, has shifted entry to LTC Medicaid to require a discharge to a LTC facility from a hospitalization; it’s just time before other states follow CA or something else even more restrictive. From a health policy & planning viewpoint, it completely makes sense
One of the experts on this site, Gabriel Heiser, has a really excellent book that gives an overview of how all the interlocking aspects of Medicaid (& Medicare) work for families that’s understandable, “Medicaid Secrets”. On Amazon and at libraries too.