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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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Can I keep money in a joint account? Will medicaid take all the money in my moms account if we have joint ownership of it. ALso we are both on the house , can they make me ell it, I dont live there but my name is on house?
Once mom goes into a NH, just what is feasible for the house budget-wise?
As Jeanne said, their home & a car are exempt assets for Medicaid.
For most families paying for expenses on an empty house is just not feasible for the possibly years and years that the parent is in a NH. If there is still a mortgage to be paid, this is especially true. Realize that under Medicaid, they are required to do a co-pay or their "SOC" (share of cost) of all of their monthly income less a small personal needs allowance. The allowance runs between $ 35 - 90 a month and really it is enough only to pay for beauty salon costs, or some clothing replacement or their phone or cable costs @ the NH. Mom will essentially have NO income to pay for anything on her home.
So can you pay for all taxes, insurance, utilities, maintenance, etc on both your % ownership on the house as well as your mom's % ownership? Can you maintain all the documentation to the penny on all the items you spend on the house for possibly years & years? If something goes amiss at the house, can you deal with it easily or have a support system who can? Again can you realistically do all this for possibly years & years? Is there a good reason to do this for an empty house and has mom clearly stated her intent to return home? If so, then keeping the house can make sense but if not, then you probably should sell it.
If you sell it only mom's % is an asset subject to spend down rules of Medicaid. It is very important that you are able to document all $ you spend on the house so that you can get not only your % of ownership from the sale but also be reimbursed for all expenses you paid for moms share to bring the house to market and have it on the market. There are costs like yard work or small repairs or increased utilities for having property on the market. If you're paying for all this you should be able to get whatever you covered for mom's % ownership. Understand?
If you keep the house, then upon mom's death, her share of the house will be subject to estate recovery (MERP). As you have your own home that you live at, all the expenses you paid for mom's share of the house can be an exemption or exclusion to the Medicaid tally for MERP. (I think this is true for all states MERP programs). So again it will be important to document all the costs on the home to have this exemption done. If the home is modest and you have a good amount of costs, then MERP may not be done as it may not be worth the costs on a small only 50% at the most recovery. But that really depends on how your state runs it's MERP program and your state laws on death, probate & property. Good luck.
Joint accounts are very bad. Separate the money, it affects your credit rating and Medicaid can go after the funds and if there is more than $2000, they won't pay at all. If you are "joint tenants" they can go after the house, but only after she dies. It's called Estate Recovery (MERP). If the house was put in both names less than five years ago, Medicaid may deny the claim or impose a penalty for half the value of the house. Check the Medicaid rules for your particular state. If she has SS and you can rent the house and apply for VA Aid and Attendance, and she only needs ALF, you probably won't need Medicaid for a long long time.
I don't know about the house but someone here will be able to give you an answer.
As for the account, any joint accounts will be considered as belonging to your mom by Medicaid. It doesn't matter who else is on the account or whether your mom's name is first or second on the account. Any money in the account will be considered your mom's money regardless of who put it there and/or why.
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.
As Jeanne said, their home & a car are exempt assets for Medicaid.
For most families paying for expenses on an empty house is just not feasible for the possibly years and years that the parent is in a NH. If there is still a mortgage to be paid, this is especially true. Realize that under Medicaid, they are required to do a co-pay or their "SOC" (share of cost) of all of their monthly income less a small personal needs allowance. The allowance runs between $ 35 - 90 a month and really it is enough only to pay for beauty salon costs, or some clothing replacement or their phone or cable costs @ the NH. Mom will essentially have NO income to pay for anything on her home.
So can you pay for all taxes, insurance, utilities, maintenance, etc on both your % ownership on the house as well as your mom's % ownership? Can you maintain all the documentation to the penny on all the items you spend on the house for possibly years & years? If something goes amiss at the house, can you deal with it easily or have a support system who can? Again can you realistically do all this for possibly years & years? Is there a good reason to do this for an empty house and has mom clearly stated her intent to return home? If so, then keeping the house can make sense but if not, then you probably should sell it.
If you sell it only mom's % is an asset subject to spend down rules of Medicaid. It is very important that you are able to document all $ you spend on the house so that you can get not only your % of ownership from the sale but also be reimbursed for all expenses you paid for moms share to bring the house to market and have it on the market. There are costs like yard work or small repairs or increased utilities for having property on the market. If you're paying for all this you should be able to get whatever you covered for mom's % ownership. Understand?
If you keep the house, then upon mom's death, her share of the house will be subject to estate recovery (MERP). As you have your own home that you live at, all the expenses you paid for mom's share of the house can be an exemption or exclusion to the Medicaid tally for MERP. (I think this is true for all states MERP programs). So again it will be important to document all the costs on the home to have this exemption done. If the home is modest and you have a good amount of costs, then MERP may not be done as it may not be worth the costs on a small only 50% at the most recovery. But that really depends on how your state runs it's MERP program and your state laws on death, probate & property. Good luck.
As for the account, any joint accounts will be considered as belonging to your mom by Medicaid. It doesn't matter who else is on the account or whether your mom's name is first or second on the account. Any money in the account will be considered your mom's money regardless of who put it there and/or why.