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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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Yes, and just occasionally it affects it negatively. In fact the LTC policy will provide some amount for monthly care. Add this to other assets such as monthly social security and the amount may be over the amount of monthly income required for medicaid eligibility while at the same time not providing enough income for a good ALF or MC.
Read the policy and see what is provided. Speak with medicaid advisors and with elder law attorney for specific advise about your Dad's case as these things are exceptionally complex and need reviewing for each individual person.
Please reread what Alva wrote, the LTC insurance can be considered a resource for how LTC Medicaid program looks at an application.
Your imho going to have 3 interlocking aspects on this: - what LTC Policy will pay & when. This from the insurer. If you do not understand it, then you have to get someone to explain it to you. - how Medicaid views that payment for income (it’s a resource). You’ll have to make a copy of policy and it’s payout terms to accompany the LTC Medicaid filing. Imo you should expect to have time sensitive follow up from the caseworker on this and in detail AND - that the facility you are hoping to place your elder into accepts BOTH her LTC insurance as a payment source AND also has LTC Medicaid beds & take her as a Medicaid Pending starting the date she files the application.
Fwiw my mom’s 2nd and eons better NH did not take LTC insurance at all. Would not as just way too cumbersome paperwork & lots of foot dragging on payments. If my mom had had a LTC policy, she would not have been able to be there in a LTC Medicaid bed as she would have been turning down that LTC policy as an available resource.
I didn't realize that some facilities would refuse to take LTC insurance. We have been counting on ours to supplement our resources when the time comes (which could be in the not-too-distant future since my husband is 93 and I'm 86). So, if one or both of us must enter a facility, we need to find out if our LTC insurance would even apply, right?
You should also check with the LTC company to make sure the facility is on their list of facilities where they'd provide coverage. The same is true if you want the LTC insurance to pay for in-home care -- the agency needs to be on their list. If a particular facility like the one igloo ran into doesn't take LTC insurance it's worth checking to see if the facility would bill the resident who would pay out of pocket and then the bill would be submitted by the resident (or their POA)_ to the LTC company for reimbursement. We ran into this when my husband was using his LTC insurance to pay for home care. We'd pay the agency weekly then send copies of the bills monthly for reimbursement. The agency was on the LTC company's list but the LTC company for some reason didn't want to be billed directly.
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.
Read the policy and see what is provided. Speak with medicaid advisors and with elder law attorney for specific advise about your Dad's case as these things are exceptionally complex and need reviewing for each individual person.
Your imho going to have 3 interlocking aspects on this:
- what LTC Policy will pay & when. This from the insurer. If you do not understand it, then you have to get someone to explain it to you.
- how Medicaid views that payment for income (it’s a resource). You’ll have to make a copy of policy and it’s payout terms to accompany the LTC Medicaid filing. Imo you should expect to have time sensitive follow up from the caseworker on this and in detail
AND
- that the facility you are hoping to place your elder into accepts BOTH her LTC insurance as a payment source AND also has LTC Medicaid beds & take her as a Medicaid Pending starting the date she files the application.
Fwiw my mom’s 2nd and eons better NH did not take LTC insurance at all. Would not as just way too cumbersome paperwork & lots of foot dragging on payments. If my mom had had a LTC policy, she would not have been able to be there in a LTC Medicaid bed as she would have been turning down that LTC policy as an available resource.