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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.
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Char - are you doing MMNA (Monthly Maintenance Needs Allowance)?
If not, you need to look into possibly getting that. What MMNA is kinda like is alimony for the community spouse. Under Medicaid rules, the NH residents is supposed to do a co-pay or their "SOC" (share of cost) of their monthly income to the NH. So like my mom has SS ($800) & retirement (1K) so every month, her monthly income is $ 1,800 a month BUT she can keep $ 60 of that for her personal needs allowance. So is actually is $ 1,740.00 that is paid to the NH. That is how it runs for an individual widow or widower on Medicaid & in a NH.
But your situation is different in that you are the "Community Spouse". You need an income to be able to continue to live at your home or apt and in the community. Now Medicaid does NOT expect the CS to themselves be impoverished. Only the spouse in the NH has to be impoverished. The CS can keep up to $ 113,000.00 in liquid assets (the money in your savings account or investments that are yours) in most states. But if the CS needs some of the NH spouses income in order to make ends meet, they can apply for MMNA. Instead of all his monthly income going to be his co-pay to the NH, it instead is diverted to you as your MMNA. The MMNA maximum amounts vary by state (TX MMNA max is $ 2,300.00 and that is a lot of money). Personally I think all CS should apply for MMNA no matter what their income is. Most states have a formula for MMNA but if it leaves you struggling you can appeal to get all of his monthly income for MMNA.
There was a poster on this site who's parents were in Maine and their dad's co-pay to the NH was only about $ 45.00 a month as their mom was a CS still living in the home and she had significant prescription costs, the house cost quite a bit to heat, etc. Mom needed basically all of her hubby's income to make her life as the community spouse work. If your not getting MMNA, you need to ask about it and apply for it. Realize that most NH Medicaid are widow or widowers, so often the whole CS & MMNA details are overlooked. If you need his income so you don't become one of those old ladies strapped for $ so having just a can of tuna fish for the weekend, you need to get his income & that means getting MMNA. Good luck.
It can also mean assets, like bank accounts, retirement accounts, real property, etc. If you would like to explain the question in context perhaps we can be of more help.
Are you talking about getting half in a divorce, or if your spouse has to go to a nursing home or what? The circumstances can impact how much you have. Is an attorney telling you get half or someone else?
My husband is in nursing home. A paper that I received said if you have so much from42,000 to 113.000 you get one half I am not sure what it means we have no cash assets, just our income monthly Thank you
Do you have other resources such as a house? With the amounts of money mentioned in the letter that doesn't sound like income but other resources, like a house. If he is in a nursing home and you have a home that could affect how much you would get to keep in the long run. Not enough info yet to be really clear. On a different matter, as far as your monthly income goes, will you get to keep enough as a community spouse to support you? If not you should definitely speak to an Elder Law attorney to to make this very clear to you.
I agree I ask today the nursing home person that takes care of the Medicaid and he said it is a spend down if that isn't correct how do I go about the mmna
Char - MMNA is also called CSRA = Community Spouse Resource Allowance.
Vegas has it right you need an elder law attorney to be able to maximize what your get. It's really hard to do all this on your own for community spouse stuff as you emotionally are focused on your hubby.
Now about the NH, what they are wanting you to do? Is it say hubby gets $ 700 in SS and then $ 300 in retirement, so $ 1,000 a month is what his income is. You both live on that 1K. Now the NH is telling you that you need to pay them (the NH) the full 1K each month? If so, that is incorrect.
But is this instead the situation: Hubby gets 1K and the NH is asking you to pay maybe $ 185.00 a month to them for his Medicaid co-pay? If so, then they are factoring in whatever your state has as it's baseline MMNA / CSRA which you get to keep. If this is the case, I'd suggest you pay the $ 185.
Do you personally have an income? That will make a difference for the MMNA / CRSA amount you qualify to have diverted to you (instead of paying to NH).
But whatever the case, you go see an elder law attorney to get your MMNA increased to the maximum. You want to find one who is NAELA certified as community spouse stuff is more specialized. Now it will cost but over the long run will more than pay for the initial cost of the attorney. Good luck dear.
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 not, you need to look into possibly getting that. What MMNA is kinda like is alimony for the community spouse. Under Medicaid rules, the NH residents is supposed to do a co-pay or their "SOC" (share of cost) of their monthly income to the NH. So like my mom has SS ($800) & retirement (1K) so every month, her monthly income is $ 1,800 a month BUT she can keep $ 60 of that for her personal needs allowance. So is actually is $ 1,740.00 that is paid to the NH. That is how it runs for an individual widow or widower on Medicaid & in a NH.
But your situation is different in that you are the "Community Spouse". You need an income to be able to continue to live at your home or apt and in the community. Now Medicaid does NOT expect the CS to themselves be impoverished. Only the spouse in the NH has to be impoverished. The CS can keep up to $ 113,000.00 in liquid assets (the money in your savings account or investments that are yours) in most states. But if the CS needs some of the NH spouses income in order to make ends meet, they can apply for MMNA. Instead of all his monthly income going to be his co-pay to the NH, it instead is diverted to you as your MMNA.
The MMNA maximum amounts vary by state (TX MMNA max is $ 2,300.00 and that is a lot of money). Personally I think all CS should apply for MMNA no matter what their income is. Most states have a formula for MMNA but if it leaves you struggling you can appeal to get all of his monthly income for MMNA.
There was a poster on this site who's parents were in Maine and their dad's co-pay to the NH was only about $ 45.00 a month as their mom was a CS still living in the home and she had significant prescription costs, the house cost quite a bit to heat, etc. Mom needed basically all of her hubby's income to make her life as the community spouse work. If your not getting MMNA, you need to ask about it and apply for it. Realize that most NH Medicaid are widow or widowers, so often the whole CS & MMNA details are overlooked. If you need his income so you don't become one of those old ladies strapped for $ so having just a can of tuna fish for the weekend, you need to get his income & that means getting MMNA. Good luck.
Vegas has it right you need an elder law attorney to be able to maximize what your get. It's really hard to do all this on your own for community spouse stuff as you emotionally are focused on your hubby.
Now about the NH, what they are wanting you to do?
Is it say hubby gets $ 700 in SS and then $ 300 in retirement, so $ 1,000 a month is what his income is. You both live on that 1K. Now the NH is telling you that you need to pay them (the NH) the full 1K each month? If so, that is incorrect.
But is this instead the situation:
Hubby gets 1K and the NH is asking you to pay maybe $ 185.00 a month to them for his Medicaid co-pay? If so, then they are factoring in whatever your state has as it's baseline MMNA / CSRA which you get to keep. If this is the case, I'd suggest you pay the $ 185.
Do you personally have an income? That will make a difference for the MMNA / CRSA amount you qualify to have diverted to you (instead of paying to NH).
But whatever the case, you go see an elder law attorney to get your MMNA increased to the maximum. You want to find one who is NAELA certified as community spouse stuff is more specialized. Now it will cost but over the long run will more than pay for the initial cost of the attorney. Good luck dear.