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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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While there are some variations from state to state, the basic qualifications for Medicaid are determined under federal law. The most basic rule is that the person applying for Medicaid cannot have more than $2,000 in countable assets. This excludes the home, car, personal items, furniture, etc. There is also an income limit, but that is almost never an issue. Because of the complications, you may wish to educate yourself not just on the rules, but on how you can plan to qualify for Medicaid so you do not waste your money through mistakes. That is exactly the reason I wrote my book How to Protect Your Family's Assets from Devastating Nursing Home Costs: Medicaid Secrets (www.MedicaidSecrets.com). The brand-new 2015 edition should be available in a few days. Good luck with everything!
I do not know what kind of expert that is above. Assets are no longer the principal determining factor for Medicaid qualification, but your income IS used to determine your eligibility, no matter what state you are in. Under Obamacare, the rules for Medicaid eligilbity have changed. You CAN still own your home outright and not have to lose it or sell it or use some other trick to transfer that asset into someone else's name to protect it. However, it has to be done properly, and you ABSOLUTELY need an attorney that is well versed and experience in protecting assets to handle this for you. That part has NOT changed -- an attorney can make sure it is done properly. There's too much old and inaccurate info out there for you to figure this out on your own.
The important point is that many more people covered by Medicare are now also eligible for Medicaid, and that assets NO LONGER AUTOMATICALLY DISQUALIFY from someone from Medicaid coverage, as the case used to be. Income can be (and always been) used to disqualify people that clearly can afford to pay for their own care. The goal of the changes was to address the problem with people having to disgorge themselves of all their assets to illegally (and unethically) obtain Medicaid coverage, as so many people have done over the years. No one ever or intended for people to lose their homes to get medical care in their old age - it just turned out that way. The recent changes are, of course, not enough, and there's still a long, long way to go. Because each state has it's own interpretation and implementation of the federally funded but state-managed Medicaid program, and the rules are still very tricky about certain assets, it's absolutely essential that people seek the advice of attorneys that do nothing but protect assets. These are specialists -- an estate planning attorney that tells you he or she can do this too, is probably justing boasting and won't necessarily get you the same results that an attorney who specializes in this can get for you. No one on this, or any of forum can accurately tell anyone what the requirements really will be, as each application is unique and there are now a lot more exceptions and ways to appeal denial determinations.
No one mentioned the 5 year look back. You can't just turn over assets to a family member or say I went to the racetrack and lost all my savings.
There is a detailed audit that would rival the IRS.
In cases where one spouse is trying to place another spouse in a NH and have Medicaid pay for it, the spouse is allowed to keep a certain amount of money(I believe it is around 110 K now), the house, the car. But you can't have more than that.
2015 SSI and Spousal Impoverishment Standards Supplemental Security Income (SSI) Effective 1-1-15 SSI Federal Benefit SSI Resource Income Cap Earned Income Unearned Income Benefit Rate (FBR) Standard Limit (300%) Break Even Point Break Even Point Individual 733.00 2,000.00 2,199.00 1,551.00 753.00 Couple 1,100.00 3,000.00 N/A 2,285.00 1,120.00 Substantial Gainful Activity (SGA) Limit: 1,090.00 (Blind SGA: 1,820.00) CPI Increase for 2015: 1.7% CPI Increase, Since September 1988: 98.7% Spousal Impoverishment Effective 1-1-15 Unless Otherwise Noted Minimum Monthly Maintenance Needs Allowance (MMMNA): 1,966.25 All States (Except Alaska and Hawaii) (Effective 7-1-14) 2,457.50 Alaska 2,261.25 Hawaii Maximum Monthly Maintenance Needs Allowance: 2,980.50 Community Spouse Monthly Housing Allowance: 589.88 All States (Except Alaska and Hawaii) (Effective 7-1-14) 737.25 Alaska 678.38 Hawaii Community Spouse Resources: Minimum Resource Standard: 23,844.00 Maximum Resource Standard 119,220.00 Home Equity Limits: Minimum: 552,000.00 Maximum:828,000.00
Medicare can be very tricky. I do agree, check with your state as it varies. I got the help of a counselor from a home healthcare network, which knew the in's and out's that I was not aware of. My brother and I had to do a "Lady Bird" Deed with my mother's house so that she did not have too many assets. Once you get through all of the red tape it is definitely worth it.
A lady bird deed has to be drawn up by a lawyer. It deeds the house to whomever the house would be willed to but it stays in the possession of the owner until the time of their death. It takes the home away as an asset but it is not considered turning over an asset.It also removes it from their will and there are no inheritance taxes. I don't know to whom you are looking into this for or what is the mental state of that person, but as long as the lawyer who interviews them deems them capable it can be drawn up. My mother has Alzheimer's but we were still able to have this done. It really helps as far as assets go when it comes to qualifying for Medicare.
I am a dibetic and have a fixed income.with rent and food i need help. I will start medicare in Aug and that is going to take more from my fixed income is there some help for me?
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.
Because of the complications, you may wish to educate yourself not just on the rules, but on how you can plan to qualify for Medicaid so you do not waste your money through mistakes. That is exactly the reason I wrote my book How to Protect Your Family's Assets from Devastating Nursing Home Costs: Medicaid Secrets (www.MedicaidSecrets.com). The brand-new 2015 edition should be available in a few days. Good luck with everything!
There is a detailed audit that would rival the IRS.
In cases where one spouse is trying to place another spouse in a NH and have Medicaid pay for it, the spouse is allowed to keep a certain amount of money(I believe it is around 110 K now), the house, the car. But you can't have more than that.
SSI and Spousal Impoverishment Standards
Supplemental Security Income (SSI) Effective 1-1-15
SSI Federal Benefit SSI Resource Income Cap Earned Income Unearned Income
Benefit Rate (FBR) Standard Limit (300%) Break Even Point Break Even Point
Individual 733.00 2,000.00 2,199.00 1,551.00 753.00
Couple 1,100.00 3,000.00 N/A 2,285.00 1,120.00
Substantial Gainful Activity (SGA) Limit: 1,090.00 (Blind SGA: 1,820.00)
CPI Increase for 2015: 1.7%
CPI Increase, Since September 1988: 98.7%
Spousal Impoverishment Effective 1-1-15 Unless Otherwise Noted
Minimum Monthly Maintenance Needs Allowance (MMMNA): 1,966.25 All States (Except Alaska and Hawaii)
(Effective 7-1-14) 2,457.50 Alaska
2,261.25 Hawaii
Maximum Monthly Maintenance Needs Allowance: 2,980.50
Community Spouse Monthly Housing Allowance: 589.88 All States (Except Alaska and Hawaii)
(Effective 7-1-14) 737.25 Alaska
678.38 Hawaii
Community Spouse Resources:
Minimum Resource Standard: 23,844.00
Maximum Resource Standard 119,220.00
Home Equity Limits:
Minimum: 552,000.00
Maximum:828,000.00
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