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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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I am unable to care for dad at home. I have lived with him for 5 years. He doesn't qualify for Medicad because of owning the house. I'm told I can apply for an exemption, however, I don't know how. Please help.
Homeownership doesn’t make you ineligible for Medicaid unless a)you own more than one home or b) the home equity exceeds $595k. Is your fathers home worth more than $595k? For a caregiver exemption, you need certain documentation showing you were your fathers caregiver for at least 2 years providing care that kept him out of a nursing home.
The home is definitely not more than 595k. They ask us for the value and I am not sure how to obtain that information. What documentation is needed? How do I apply?
His house is not considered an asset as such. Either is the car he drives. His qualifying is determined by his monthly income from SS and any pension he receives. His checking, savings, CDs, stocks, etc count towards the spend down.
Keep in mind, this is in the state of NJ.
The monthly income cap for Medicaid is $2300. If Dad is over that he may qualify by setting up a Miller Trust for the overage. Maybe another name in other states or Medicaid in your State does not allow the Trust. Cap for spendown is 2k. So if Dad has enough in savings etc ur best bet maybe placing him private pay and then applying for Medicaid before his money runs out. My state its 90days before.
There is no home transfer. The house remains in Dads name until his death. Since his home has been your main residence and you have been his Caregiver you probably will be able to remain in it but will have to prove you can pay the bills and keep it up. When he passes, a lean will be put on the house. You will probably be allowed to remain in the house, but again will need to prove you can pay bills and upkeep. If you leave the home, sell it or pass, the lean will need to be satisfied at that time.
I suggest you call your County Social Service Office and set up an appointment with a caseworker. Seems someone may have given u the wrong info or Dads house is worth more than the cap allowed. If so, it will then need to be sold for his care in LTC facility.
The home is definitely not more than 595k. They ask us for the value and I am not sure how to obtain that information. What documentation is needed? How do I apply?
Caregiver exemptions do not take effect until death. Check the taxable value on the county website. There may be a difference between taxable and actual value.
To help find out the value, as Stacy stated, look up what the county value for taxes is. But again as Stacy said there usually is what can be a considerable difference. Then you can put his zip code into a real estate app like Zillow and find comps (comparable values) of what houses are selling for in his neighborhood and average it out but still it depends on any upgrades your father did to his home, if the home is in good working order (sump pump, HVAC) roof status, etc as these points may increase the value of his home. Short of paying for a real estate appraisal out of pocket but these too are depending on the what the appraiser determines. There are many variables. A real estate appraisal may cost $500. Realize you may not be happy with the RE appraisal value either. It’s an educated guess; average out selling costs of homes in his neighborhood.
As far as the ppwk needed to prove you were his caregiver, I believe you need to provide Physician notes explaining what care your dad needed and what care you provided. Other posters will know a lot more about this process.
A realtor can give you the Market Value or pay an assessor. Those realtor sites vary on price. You need someone who can look at your house and see what shape its in. My Moms needed a lot of work. I did not have the money to put out with no guarantee of getting it back. So it was an "at is" house and priced as such.
Sorry, looks like I am wrong about house being transferred. After Stacys response that Caregiver doesn't come into the picture until after death, I found this
"The child caretaker (or child caregiver) exception allows your elderly parent to transfer ownership of their home once they become Medicaid eligible to an adult child who provides care for them without violating the Medicaid prohibition on transferring assets during the "look-back" period."
You really need to talk to the caseworker concerning the house and the information you have been given. And please come back and tell us what you have been told. Because I have the papers where a lean was put on the house after Moms passing. And in those papers it mentions proving main residence and the person being able to remain in the home but a lean will go on the house.
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.
For a caregiver exemption, you need certain documentation showing you were your fathers caregiver for at least 2 years providing care that kept him out of a nursing home.
Keep in mind, this is in the state of NJ.
The monthly income cap for Medicaid is $2300. If Dad is over that he may qualify by setting up a Miller Trust for the overage. Maybe another name in other states or Medicaid in your State does not allow the Trust. Cap for spendown is 2k. So if Dad has enough in savings etc ur best bet maybe placing him private pay and then applying for Medicaid before his money runs out. My state its 90days before.
There is no home transfer. The house remains in Dads name until his death. Since his home has been your main residence and you have been his Caregiver you probably will be able to remain in it but will have to prove you can pay the bills and keep it up. When he passes, a lean will be put on the house. You will probably be allowed to remain in the house, but again will need to prove you can pay bills and upkeep. If you leave the home, sell it or pass, the lean will need to be satisfied at that time.
I suggest you call your County Social Service Office and set up an appointment with a caseworker. Seems someone may have given u the wrong info or Dads house is worth more than the cap allowed. If so, it will then need to be sold for his care in LTC facility.
As far as the ppwk needed to prove you were his caregiver, I believe you need to provide Physician notes explaining what care your dad needed and what care you provided. Other posters will know a lot more about this process.
Good luck to you!
Sorry, looks like I am wrong about house being transferred. After Stacys response that Caregiver doesn't come into the picture until after death, I found this
"The child caretaker (or child caregiver) exception allows your elderly parent to transfer ownership of their home once they become Medicaid eligible to an adult child who provides care for them without violating the Medicaid prohibition on transferring assets during the "look-back" period."
You really need to talk to the caseworker concerning the house and the information you have been given. And please come back and tell us what you have been told. Because I have the papers where a lean was put on the house after Moms passing. And in those papers it mentions proving main residence and the person being able to remain in the home but a lean will go on the house.