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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.
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.
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She has advanced dementia, is about to use all of her cash assests and no longer has a credit score to apply for any type of mortgage. What will happen to her home if she qualifies for Medicaid?
How much is moms house worth? I ask cause the costs of in-home care can run often more than what a facility would. Pls, please re-read FreqFlyers excellent post..... 20k per mo for 24/7 caregivers. 240K a year. Even if you live in a lower cost of living state, it's going to be somewhere close to 6 figures for care at home PLUS mom still has property costs.
Is moms house fully paid off and worth over 700K? Cause probably the only way to get enough equity out is to do a reverse mortgage. Expect maybe 50% of value (so 350k of a 700k home) at best PLUS mom is still responsible for taxes, maintenance. 350k would cover 2 years or so of paid caregivers and property costs as she still has her monthly income coming in. Also insurance which will too likely be higher than she is paying now as all needs to be at mortgaged coverage. And the RM is debt that must be repaid in full either once she moves out of home or dies. If r RM not repaid, the RM gets property and sells it. Family does not inheirit the house. RM to me are often just a band aid on a much bigger financial & medical problem that family is not being realistic about.
Community based Medicaid could provide some caregivers IF your state spends its Medicaid $$ this way. Like twice a week caregiver who does 6 hrs of in the home care. But all other time is on family. States are trending to go to funding on-site programs - like PaCE - where the elder goes to 2 -4 days a week then back to thier home later in the day with family then Doing all other caregiving. Pls keep in mind if medicaid is applied for that mom will need to be evaluated by the state (usually an RN & SW team) for level of care that she is "at need" for. Just having dementia may not establish enough "need". Private pay does not necessarily require the more specific stanard that the state will.
Really do as Barb has suggested and see an elder law atty (that mom pays for from her $) to see what the options are for your state.
Thank you both for your answers and suggestions. We would like to keep her in her home, with care so selling the house isn't an option. We would of course sell the home if she would move in with one of her children or go to a facility. The proceeds would then be used for her care.
2TornTwo, since your Mom has advanced dementia, she wouldn't be able to read and understand all the paperwork involved to refinance or get a Reversed Mortgage. Her financial Power of Attorney [hopefully she has one] can sell the house, and Mom can use the equity for her care.
My Dad had in-home care, 3 shifts of caregivers per day, but the cost was $20k per month, yes per month, in my area. Dad was happy to find he would only need to pay $6k per month so he sold the house and moved into senior living.
But once the equity is gone, than your Mom would need to apply for Medicaid [which is different from Medicare]. If she doesn't sell the house, then Medicaid would put a lien on the house, and eventually the heirs would need to sell the house to pay back Medicaid for the cost of care, but only up to what equity can be had from the house. And Mom might need to move to a senior living facility that accepts Medicaid.
Life can get so complex once we age :( Barb above is right, see an Elder Law Attorney for advice on what is the best route for Mom's house and care.
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.
Is moms house fully paid off and worth over 700K? Cause probably the only way to get enough equity out is to do a reverse mortgage. Expect maybe 50% of value (so 350k of a 700k home) at best PLUS mom is still responsible for taxes, maintenance. 350k would cover 2 years or so of paid caregivers and property costs as she still has her monthly income coming in. Also insurance which will too likely be higher than she is paying now as all needs to be at mortgaged coverage. And the RM is debt that must be repaid in full either once she moves out of home or dies. If r
RM not repaid, the RM gets property and sells it. Family does not inheirit the house. RM to me are often just a band aid on a much bigger financial & medical problem that family is not being realistic about.
Community based Medicaid could provide some caregivers IF your state spends its Medicaid $$ this way. Like twice a week caregiver who does 6 hrs of in the home care. But all other time is on family. States are trending to go to funding on-site programs - like PaCE - where the elder goes to 2 -4 days a week then back to thier home later in the day with family then Doing all other caregiving. Pls keep in mind if medicaid is applied for that mom will need to be evaluated by the state (usually an RN & SW team) for level of care that she is "at need" for. Just having dementia may not establish enough "need". Private pay does not necessarily require the more specific stanard that the state will.
Really do as Barb has suggested and see an elder law atty (that mom pays for from her $) to see what the options are for your state.
We would like to keep her in her home, with care so selling the house isn't an option. We would of course sell the home if she would move in with one of her children or go to a facility. The proceeds would then be used for her care.
My Dad had in-home care, 3 shifts of caregivers per day, but the cost was $20k per month, yes per month, in my area. Dad was happy to find he would only need to pay $6k per month so he sold the house and moved into senior living.
But once the equity is gone, than your Mom would need to apply for Medicaid [which is different from Medicare]. If she doesn't sell the house, then Medicaid would put a lien on the house, and eventually the heirs would need to sell the house to pay back Medicaid for the cost of care, but only up to what equity can be had from the house. And Mom might need to move to a senior living facility that accepts Medicaid.
Life can get so complex once we age :( Barb above is right, see an Elder Law Attorney for advice on what is the best route for Mom's house and care.