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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.
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If I should ever need to go into a nursing home, I hear that they take everything that you own. My question is, How do I protect my Annuity from the nursing homes ?
After being stunned by the cost of Mom's NH, I did some research myself on what happens when I get to that age. Basically, you are asking how to protect some of your assets so you can leave some to your children? (that is why I was researching) If you go to a NH, you must pay out of your own pocket until your assets reach a certain minimum (can't remember) After that medicare kicks in.
You should consult with an estate planning attorney for specifics. I'm not at that point yet, but as far as I can determine, there is long term care insurance (expensive and won't pay for everything and I can't afford) or do an irrevocable trust because that is the only funds that are not counted in your assets. That is because once you put something in an irrevocable trust, someone else controls it, not you. And you cannot access that money yourself, and you cannot change your mind and revoke it at a later date. I'm not ready to do that!
The only way I know of is to purchase a good long term care plan that will pay tge costs for a period of time. Do not start giving your assets away. If you need Medicaid within five years of making a monetary gift or deeding your home to someone else for less than market value you will be penalized an amount equal to the gifts when you are Medicaid ineligible.
See an elder law attorney to discuss Medicaid planning, preparing all documentz you will need and what sort of care options there are available, the costs and what planning you need to take care of now.
If your monthly income without your annuity is enough to pay for a first-class nursing home, you are lucky! The nursing home can't take more than their customary fees. If you have some left over each month, hooray! They can't take it all just because you have more.
But nursing homes are pretty expensive, and they do expect to get paid. If you don't use your annuity, will you have enough from other sources to pay your way?
What would you be saving your annuity for? Isn't it for your needs?
Anyway, if you are thinking of trying to protect some of your income and still be eligible for Medicaid, you can consult an Elder Law Attorney. If that time is some way off, the rules that apply now might change by then. But that is the best you can do.
glorygirl51 - Oh dear, I do hope there is no way to protect your Annuity. Didn't you save the money in that Annuity for your retirement and a rainy day? Well, when you go into a nursing home it means you're totally retired and it's pouring outside. Time to use that money...cause you're simply not entitled to use my tax money to pay for your nursing home so you can save your Annuity. Sorry if you thought otherwise.
Don't you pay today for your own house & healthcare? Why on earth wouldn't you continue to do that when you need nursing home care? As I tax payer - before I foot the bill for you - you need to pay what you can with the assets you have. if you don't like it - don't go into the nursing home.
I'm not sure what you mean by "take everything that you own". When you need care, you have to pay for it, and if you have assets, those assets are used to pay for your care. Once your assets are used up, then you can apply for Medicaid which is a program for the destitute that pays for long term care. Were you thinking nursing home care should be free?
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 you go to a NH, you must pay out of your own pocket until your assets reach a certain minimum (can't remember) After that medicare kicks in.
You should consult with an estate planning attorney for specifics. I'm not at that point yet, but as far as I can determine, there is long term care insurance (expensive and won't pay for everything and I can't afford) or do an irrevocable trust because that is the only funds that are not counted in your assets. That is because once you put something in an irrevocable trust, someone else controls it, not you. And you cannot access that money yourself, and you cannot change your mind and revoke it at a later date. I'm not ready to do that!
See an elder law attorney to discuss Medicaid planning, preparing all documentz you will need and what sort of care options there are available, the costs and what planning you need to take care of now.
But nursing homes are pretty expensive, and they do expect to get paid. If you don't use your annuity, will you have enough from other sources to pay your way?
What would you be saving your annuity for? Isn't it for your needs?
Anyway, if you are thinking of trying to protect some of your income and still be eligible for Medicaid, you can consult an Elder Law Attorney. If that time is some way off, the rules that apply now might change by then. But that is the best you can do.
Angel