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Who are you caring for?
Which best describes their mobility?
How well are they maintaining their hygiene?
How are they managing their medications?
Does their living environment pose any safety concerns?
Fall risks, spoiled food, or other threats to wellbeing
Are they experiencing any memory loss?
Which best describes your loved one's social life?
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.
Remember, this assessment is not a substitute for professional advice.
Share a few details and we will match you to trusted home care in your area:
The business office in the nursing home will typically suggest that you simply spend all her assets down.
When you say "she is in a penalty period" this implies that she has applied for Medicaid and that her assets were to high to qualify. As a result, the state imposed a "penalty period" which is calculated by dividing the amount of her countable assets over the resource allowance (the amount she is permitted to retain) of $2,000 by the State of Indiana's Divestment Penalty Divisor of $5,733. The result is the number of month's of ineligibility. Ex: Mother has $53,733 over the limit of $2,000. $53,733 / $5,733 = 10 penalty months.
Essentially, therefore, mom will be compelled to pay for her own care - spend down her assets - until she reaches the limit of $2,000. At that point she will be permitted to retain only $52 per month of her income for all of her personal needs. This, to me, does not represent a good plan.
If you transfer her assets in a manner that will not trigger a penalty you can then reapply prior to the expiration of the penalty period (like now) and preserve money for her use WHILE receiving Medicaid benefits.
Here is one idea: http://nonprofitpooledtrust.org/
The above is provided for educational and informational purposes, is from sources available to the general public, and should not be considered legal or financial advice.
Read Gabiel Heiser's book, "Medicaid Secrets" before you meet with the elder law attorney. Will help you organize in advance, possibly saving some hours of lawyer fees. Book is at your public library.
The Business Office at her nursing home should be able to guide you through a lot of this, after all they do want their bill paid by somebody (like you). Once out of the penalty period, they will bill M.A. directly ( assuming you re-apply and get approved).
Federal law prohibits transfer of assets for 5 year period of becoming eligible for MedicAid. There is not any way to come up with any "good plan" at this point, to shelter assets or try to save it for anybody but Mom. The only exception is if nursing home (or MedicAid) is farther than 5 yrs into the future. I'm not a CFP but have been doing lots of research, the answer to this very common question is always the same, no transfers within 5 yrs. Some day they might make it 7, or 10 yrs. So better set up your trusts etc well in advance, and certainly not while Mom is currently within a penalty period.
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.
When you say "she is in a penalty period" this implies that she has applied for Medicaid and that her assets were to high to qualify. As a result, the state imposed a "penalty period" which is calculated by dividing the amount of her countable assets over the resource allowance (the amount she is permitted to retain) of $2,000 by the State of Indiana's Divestment Penalty Divisor of $5,733. The result is the number of month's of ineligibility.
Ex: Mother has $53,733 over the limit of $2,000. $53,733 / $5,733 = 10 penalty months.
Essentially, therefore, mom will be compelled to pay for her own care - spend down her assets - until she reaches the limit of $2,000. At that point she will be permitted to retain only $52 per month of her income for all of her personal needs. This, to me, does not represent a good plan.
If you transfer her assets in a manner that will not trigger a penalty you can then reapply prior to the expiration of the penalty period (like now) and preserve money for her use WHILE receiving Medicaid benefits.
Here is one idea: http://nonprofitpooledtrust.org/
The above is provided for educational and informational purposes, is from sources available to the general public, and should not be considered legal or financial advice.