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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.
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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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Father-in-law is on Medicaid, well spouse lives in apt in sons name. Estate of FIL considers of Term life insurance with spouse and son as beneficiary, pension goes to well spouse 2017 car financed in wife's name only. What can Medicaid take back.
Medicaid considers the married couple to be financially in it together.
The life insurance...does it have a cash value ? The cash value..it is half the spouses..... Depending on the value. Say it is for $500,000. Then 250,000 is the spouses (half...other half belongs to son). If Medicaid limit on assets for community spouse is 100,000 then the remaining $150,000 is subject to recovery The pension is the FIL pension? Or is it just her pension? If it is his pension..then only a part of that will be allow to the community spouse. Typically the community spouse can keep $1000 in monthly income. So say she has social security of her own for $1500 and his pensions is for $2000. She will keep her on income and up to 1000 of that pension. If it is her pension alone....then she keeps it all.
The apt. Is it owned or rented? Was it ever owned by Mom or FIL? If so..then unless the transfer of title was more than 5 years before FIL went on Medicaid...the entire value will be considered in the spend down for Medicaid.
So...all,this only applies to someone over the age of 65. For those who are on Medicaid below that age...the states have yet to figure out how/when to implement recovery for those on ACA/Medicaid expansion. The federal law requiring the states to do estate recovery were not changed ... So no one knows how/if states will deal with it.
Did you consult an eldercare attorney before applying for Medicaid?
I assume fil's pension is going to spouse due to spousal impoverishment rules. I also assume pension will stop when fil dies.
As far as i know, the only insurance that avoids recovery by merp is the type that is irrevocable funeral insurance. If fil is on medicaid, he is impoverished and there should be know assumption by anyone that there will be an inheritance.
Barbbrooklyn. No I didn't see a eldercare lawyer I'm a diy person. I am named survivor on his pension I allready get it under spousal improves ment program To Katiekate. The insurance is term and has no cash value i and my son are named beneficiary. His pension is higher then Mil. The apartment was transferred to son in 2008 it is a coop. FIL applied for Medicaid in 2015. MIL pays the maintenance. Pamstegma. Thank you. The only help we had was attending a retirement seminar run bye the department. FIL was a federal employee. The only thing I can see them taking back is his supplemental pension and his SS. The total together comes in today's dollar is less then 250.00 a month.
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.
The life insurance...does it have a cash value ? The cash value..it is half the spouses..... Depending on the value. Say it is for $500,000. Then 250,000 is the spouses (half...other half belongs to son). If Medicaid limit on assets for community spouse is 100,000 then the remaining $150,000 is subject to recovery The pension is the FIL pension? Or is it just her pension? If it is his pension..then only a part of that will be allow to the community spouse. Typically the community spouse can keep $1000 in monthly income. So say she has social security of her own for $1500 and his pensions is for $2000. She will keep her on income and up to 1000 of that pension. If it is her pension alone....then she keeps it all.
The apt. Is it owned or rented? Was it ever owned by Mom or FIL? If so..then unless the transfer of title was more than 5 years before FIL went on Medicaid...the entire value will be considered in the spend down for Medicaid.
So...all,this only applies to someone over the age of 65. For those who are on Medicaid below that age...the states have yet to figure out how/when to implement recovery for those on ACA/Medicaid expansion. The federal law requiring the states to do estate recovery were not changed ... So no one knows how/if states will deal with it.
I assume fil's pension is going to spouse due to spousal impoverishment rules. I also assume pension will stop when fil dies.
As far as i know, the only insurance that avoids recovery by merp is the type that is irrevocable funeral insurance. If fil is on medicaid, he is impoverished and there should be know assumption by anyone that there will be an inheritance.
I am named survivor on his pension
I allready get it under spousal improves ment program
To Katiekate.
The insurance is term and has no cash value i and my son are named beneficiary. His pension is higher then Mil. The apartment was transferred to son in 2008 it is a coop. FIL applied for Medicaid in 2015. MIL pays the maintenance.
Pamstegma.
Thank you. The only help we had was attending a retirement seminar run bye the department. FIL was a federal employee. The only thing I can see them taking back is his supplemental pension and his SS. The total together comes in today's dollar is less then 250.00 a month.