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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.
Share a few details and we will match you to trusted home care in your area:
Basically your Sister will be paid by your mother; your Mother will keep the receipts and will report this as someone working for her on her taxes. This will prevent problems with medicaid lookback if ever needed. Your Sister will report this as income. Kept separate will be things Mom spends for her food and so on. This is something that, no matter cost, you need to work out with an elder law attorney in your state. It may take no more than an hour of time, but it is something you cannot do wrong, cannot afford to do wrong, and a contract should be drawn. Before you and your Sister visit the Lawyer have a set out and ready graft of what Mom will pay in rental, in food cost, in care cost, and etc. I hope others here who are doing this will have advice for you.
I recommend Quickbooks, it is user friendly and you can usually get your CPA to help set it up to be compliant with the tax laws. Then someone does weekly or monthly input and downloads for credit cards and bank statements with simple allocation.
Be sure and check for state employment laws and tax liabilities as IRS is only part of the picture.
I highly recommend using a payroll service that handles everything for a percentage of the payroll. They ensure that all the taxes are paid and all insurances are in place, God forbid your sister gets hurt helping mom and finds out her insurance won't cover work related injuries. This also creates a single transaction per paycheck that proves the money was not a gift to a family member, but a payment for a caregiver, avoiding any hassle with Medicaid if ever needed.
Fotogail, unfortunately, I don't think the concept of "simplicity" enters tax lexicon, or those who create the tax booklets allegedly "explaining" tax issues.
Alva provides a good basis to start. When you search for an elder law attorney, make sure he or she also prepares taxes, so advice can be tailored to your situation.
What I did for my father's basic taxes (which didn't include caregiving) was to use an Excel spreadsheet, with categories for all income that would be reported on the 1041 or Sch.. B., all deductions for Sch. A, and I linked the sheets so that they were automatically updated.
E.g., everytime a medical expense (or charitable deduction, or church donation) was incurred, it was added to the Sch. A sheet, which was linked through Excel to a form 1040, first page. It was like an ongoing update.
I don't know of any apps, but I'm not an app person myself. You could hire a service, but they're probably going to want to handle everything, and that could cost more than you want to pay.
ReallyReal raises a good point on insurance. Check with your agent, and raise the issue of family providing care in the home. When I did, I learned that we would have to carry professional liability insurance; homeowners insurance would not cover injuries for paid employees. This was 3 - 4 years ago; the cost then was estimated to be $750/month, with literal guarantees that the premium would increase annually.
Interesting. I use a top of the line home owners insurance company, Chubb, and I am allowed one live in care employee under the coverage. (I don't have any, I use agency)
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.
I recommend Quickbooks, it is user friendly and you can usually get your CPA to help set it up to be compliant with the tax laws. Then someone does weekly or monthly input and downloads for credit cards and bank statements with simple allocation.
Be sure and check for state employment laws and tax liabilities as IRS is only part of the picture.
I highly recommend using a payroll service that handles everything for a percentage of the payroll. They ensure that all the taxes are paid and all insurances are in place, God forbid your sister gets hurt helping mom and finds out her insurance won't cover work related injuries. This also creates a single transaction per paycheck that proves the money was not a gift to a family member, but a payment for a caregiver, avoiding any hassle with Medicaid if ever needed.
Alva provides a good basis to start. When you search for an elder law attorney, make sure he or she also prepares taxes, so advice can be tailored to your situation.
What I did for my father's basic taxes (which didn't include caregiving) was to use an Excel spreadsheet, with categories for all income that would be reported on the 1041 or Sch.. B., all deductions for Sch. A, and I linked the sheets so that they were automatically updated.
E.g., everytime a medical expense (or charitable deduction, or church donation) was incurred, it was added to the Sch. A sheet, which was linked through Excel to a form 1040, first page. It was like an ongoing update.
I don't know of any apps, but I'm not an app person myself. You could hire a service, but they're probably going to want to handle everything, and that could cost more than you want to pay.
ReallyReal raises a good point on insurance. Check with your agent, and raise the issue of family providing care in the home. When I did, I learned that we would have to carry professional liability insurance; homeowners insurance would not cover injuries for paid employees. This was 3 - 4 years ago; the cost then was estimated to be $750/month, with literal guarantees that the premium would increase annually.