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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.
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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Rehab in Nursing home. Live in Ohio. No mortgage. $240 in condo maintence fees. Two names when purchased. Do they follow the paper trail on this? If we helped purchase - do we get to keep half?
The condo if the Medicaid applicants homestead it is an exempt asset but at whatever % their ownership is. So maybe 1/3 if equal or 50/50 for mr/mrs & daughter. If condo is a vacation property or is the home of daughter or in another state it's probably going to be viewed as non exempt asset....so they will be ineligible for Medicaid till their ownership share is sold & spent down.
If dad/mom gave daughter the $ for her part of down payment or ownership, that's gifting & will come up in the look back of the applicants financial records. Real property (home, land) ownership info is collected local & dovetails to state so will show up eventually.
Property value is 40k?? That's really low. Really.
40k is a pretty minimal amount to have to deal with for medicaid and the reams of paperwork & compliance that will follow the property both in yearly Medicaid renewal & MERP (estate recovery). Plus tracking % of costs for past & future years. I'd suggest you all pull all the paperwork on the property & the parents financials and see an elder law attorney. What might be able to be done is for daughter to buy parents share and they do a self cancelling installment note on this but the amount is low enough to be within Medicaid income limits set by your state. Whether a SCIN is an available option will dependent on their ages& the amount as payback needs to be within acturial lifespans tables of the parents and daughters ability to pay. as there is no mortgage (so no others involved) that hurdle for doing a SCIN isn't an issue. SCINs are estate planning options used all the time by generationally wealthy but have to be done early enough to work for irs review for life tables.
If dad is currently in a facility for rehab post hospitalization, his stay is bring paid by Medicare. He has at least 3 weeks of medicare coverage. If he can qualify for additional rehab as he is "progressing", medicare can extend coveage up to 100 days at 80/20 payment coverage. You need to understand the clock is ticking. Whatever you do for any financial or legal changes has to be done & complete before the Medicaid application. If dad is the one needing Medicaid & mom is not, there are all sorts of issues for a community spouse that need to be thought through before the application as well. Once the application is done, everything asset-wise (& possible penalty issues) are fixed. For couples situation, Medicaid does a "snapshot day" ( usually the date of application) from which all financial, property ownership, etc is fixed at. For most of us, all the programs & acronyms are brain overload. One of the experts on this site - Gabriel Heiser - has a most excellent book on all this. You can order it or get it from your library. It's a lot to deal with and within short order, understanding whats what & good experienced legal is essential. 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.
If dad/mom gave daughter the $ for her part of down payment or ownership, that's gifting & will come up in the look back of the applicants financial records. Real property (home, land) ownership info is collected local & dovetails to state so will show up eventually.
Property value is 40k?? That's really low. Really.
40k is a pretty minimal amount to have to deal with for medicaid and the reams of paperwork & compliance that will follow the property both in yearly Medicaid renewal & MERP (estate recovery). Plus tracking % of costs for past & future years. I'd suggest you all pull all the paperwork on the property & the parents financials and see an elder law attorney. What might be able to be done is for daughter to buy parents share and they do a self cancelling installment note on this but the amount is low enough to be within Medicaid income limits set by your state. Whether a SCIN is an available option will dependent on their ages& the amount as payback needs to be within acturial lifespans tables of the parents and daughters ability to pay. as there is no mortgage (so no others involved) that hurdle for doing a SCIN isn't an issue. SCINs are estate planning options used all the time by generationally wealthy but have to be done early enough to work for irs review for life tables.
If dad is currently in a facility for rehab post hospitalization, his stay is bring paid by Medicare. He has at least 3 weeks of medicare coverage. If he can qualify for additional rehab as he is "progressing", medicare can extend coveage up to 100 days at 80/20 payment coverage. You need to understand the clock is ticking. Whatever you do for any financial or legal changes has to be done & complete before the Medicaid application. If dad is the one needing Medicaid & mom is not, there are all sorts of issues for a community spouse that need to be thought through before the application as well. Once the application is done, everything asset-wise (& possible penalty issues) are fixed. For couples situation, Medicaid does a "snapshot day" ( usually the date of application) from which all financial, property ownership, etc is fixed at. For most of us, all the programs & acronyms are brain overload. One of the experts on this site - Gabriel Heiser - has a most excellent book on all this. You can order it or get it from your library. It's a lot to deal with and within short order, understanding whats what & good experienced legal is essential. Good luck.