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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.
Remember, this assessment is not a substitute for professional advice.
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Your assuming your dad’s note has several issues. The equity your dad owns in the car would have to be determined and documented to avoid gifting penalties. Dad would have to receive that amount to not be penalized. That money would need to be spent on his care. You need to figure out how to do that in a way that satisfies Medicaid look back if dad’s intention is to go on Medicaid to pay for the ALF. You don’t mention your state but not all states offer Medicaid to help pay for ALF. So there is that to consider.
Additionally, Medicaid allows your dad to keep a car. It’s exempt from look back. Of course they won’t allow him to keep enough of his assets to pay notes, insurance or upkeep so if he kept the car in his name to avoid the look back penalty, someone would have to pay all those expenses as dad wouldn’t be able to. So, as an example, if dad owes $10K on a car with book value of $15K, you would have to pay him $5K and take over the note. Then the $5 would need to be spent on your dad for ALF fees or dentist or eyeglasses etc.
Is there a chance that dad may still drive the car? 97 is correct you would have to purchase dad's car from him. Check with the loan company on assuming the loan, my guess is that the lender will require you to get your own loan. Then there is the issue of transferring the ownership and registering and insuring the car.
And that is looking for problems with siblings and other family members.
The answer is No. Dad would first have to go along with it. Your credit would have to be good. Transferring your name also may need Dad.
Do you have POA? If there is a chance of Medicaid being involved, whole different scenario.
Lets say Dad paid 20k for the car. Its now worth 15k, you need to finance 10k. The difference between what is owed and the Blue book value would need to be put in a bank acct for Dad if Medicaid may get involved someday. So, ur buy the car for 15k.
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.
You don’t mention your state but not all states offer Medicaid to help pay for ALF. So there is that to consider.
Additionally, Medicaid allows your dad to keep a car. It’s exempt from look back. Of course they won’t allow him to keep enough of his assets to pay notes, insurance or upkeep so if he kept the car in his name to avoid the look back penalty, someone would have to pay all those expenses as dad wouldn’t be able to.
So, as an example, if dad owes $10K on a car with book value of $15K, you would have to pay him $5K and take over the note. Then the $5 would need to be spent on your dad for ALF fees or dentist or eyeglasses etc.
And that is looking for problems with siblings and other family members.
Do you have POA? If there is a chance of Medicaid being involved, whole different scenario.
Lets say Dad paid 20k for the car. Its now worth 15k, you need to finance 10k. The difference between what is owed and the Blue book value would need to be put in a bank acct for Dad if Medicaid may get involved someday. So, ur buy the car for 15k.