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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:
If the miller trust is for you, then yes some banks may refuse to open an account for you. Especially if you have any outstanding debts with a bank-if you let an account go in to the negative and you didn’t resolve it.
Your profile reads you’re caregiver for a Sister, so she’s looking to do one?
if I’m not mistaken, Miller is set up for a way for a LTC NH Medicaid applicant - that has too much income - to have a way for qualified monthly income to be shifted to be paid into Miller- rather than to them - each month; so that they personally can be within the income limits required by Medicaid, as the Miller gets the overage (extra $). The Miller $ is dedicated $ to be paid to the NH & any $ extra (if any) has the state as beneficiary. So it’s not accessible by you as it’s going directly into the Miller, it’s legally paid to the Miller & in turn the Miller pays that $ to the facility & when she dies any $ left paid to state. They also have already gotten their nonexempt assets at or below whatever your state requirements are for LTC Medicaid. Most do 2k.
Like say, Sylvia has SS of $1500 mo & another retirement of $958.25. So mo income is $2,458.25 and $358.25 over the state max income of $2,100 for LTC Medicaid. She does a Miller to be paid just the SS, & that $1500 now paid in name to “Miller Trust for Sylvia Smith” & in turn the Trust pays the facility directly. Sylvia still responsible to do a copay or SOC (share of cost) to the NH from her mo $958.25 retirement income but that’s done as a separate payment to the NH.
Miller $ is no longer exactly yours, the payee for the SS$ is the newly created Miller Trust. The Trust wouldn’t have judgements or liens against it, like you as a person might have. Trust wouldn’t have a credit score.
Miller has to be done from “qualified” income, like from SS$ or RRRB$ or from the mo. income paid if your a civil service annuitant. These all are ok for being Miller “qualified” as all are income sources that are guaranteed (“qualified”) to be paid. AND these also are income that are exempt from a wage garnishment or attachment by a judgement. They are exempt resources for that those types of actions. The only ones who can do an attachment would be the IRS or state tax authority as they are super creditors.
What kind of debt does does your Sister have? You know lots of folks who go into a NH have debts. Like CC or drug bills or living costs (property taxes, housing stuff) beyond whatever SS$ income pays them. If they need to go into a NH & apply for Medicaid, they end up defaulting on those debts. Medicaid doesn’t care if they have debts. Medicaid is all about income & assets.
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 I’m not mistaken, Miller is set up for a way for a LTC NH Medicaid applicant - that has too much income - to have a way for qualified monthly income to be shifted to be paid into Miller- rather than to them - each month; so that they personally can be within the income limits required by Medicaid, as the Miller gets the overage (extra $). The Miller $ is dedicated $ to be paid to the NH & any $ extra (if any) has the state as beneficiary. So it’s not accessible by you as it’s going directly into the Miller, it’s legally paid to the Miller & in turn the Miller pays that $ to the facility & when she dies any $ left paid to state.
They also have already gotten their nonexempt assets at or below whatever your state requirements are for LTC Medicaid. Most do 2k.
Like say, Sylvia has SS of $1500 mo & another retirement of $958.25. So mo income is $2,458.25 and $358.25 over the state max income of $2,100 for LTC Medicaid. She does a Miller to be paid just the SS, & that $1500 now paid in name to “Miller Trust for Sylvia Smith” & in turn the Trust pays the facility directly. Sylvia still responsible to do a copay or SOC (share of cost) to the NH from her mo $958.25 retirement income but that’s done as a separate payment to the NH.
Miller $ is no longer exactly yours, the payee for the SS$ is the newly created Miller Trust. The Trust wouldn’t have judgements or liens against it, like you as a person might have. Trust wouldn’t have a credit score.
Miller has to be done from “qualified” income, like from SS$ or RRRB$ or from the mo. income paid if your a civil service annuitant. These all are ok for being Miller “qualified” as all are income sources that are guaranteed (“qualified”) to be paid. AND these also are income that are exempt from a wage garnishment or attachment by a judgement. They are exempt resources for that those types of actions. The only ones who can do an attachment would be the IRS or state tax authority as they are super creditors.
What kind of debt does does your Sister have?
You know lots of folks who go into a NH have debts. Like CC or drug bills or living costs (property taxes, housing stuff) beyond whatever SS$ income pays them. If they need to go into a NH & apply for Medicaid, they end up defaulting on those debts. Medicaid doesn’t care if they have debts. Medicaid is all about income & assets.