Are you sure you want to exit? Your progress will be lost.
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.
✔
I acknowledge and authorize
✔
I consent to the collection of my consumer health data.*
✔
I consent to the sharing of my consumer health data with qualified home care agencies.*
*If I am consenting on behalf of someone else, I have the proper authorization to do so. By clicking Get My Results, you agree to our Privacy Policy. You also consent to receive calls and texts, which may be autodialed, from us and our customer communities. Your consent is not a condition to using our service. Please visit our Terms of Use. for information about our privacy practices.
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 least expensive AL I've found is $3,500/mo. & they told me Medicaid only pays $1,200/mo. in my state. My parent only gets $1,500/mo. from SS & pension.
In some states, ALs will accept whatever Medicaid pays and the elder's SS and pension less a small "personal care allowance". Some will accept Medicaid only after a certain period of "private pay".
The same goes for Nursing Homes: as far as I know, all states fund long term using home care via Medicaid if an elder qualifies both medically and financially.
Your best course of action is to have a consultation with a certified eldercare attorney or Medicaid Planner in mom's state so you understand how this works.
You don’t want to extend your life …. because of $? … or… Because your kids won’t have as much, or they’ll be invonvenienced? Or is it because people will write on some forum about the pain of putting you in a nursing home?
Thank God my parents saved and saved and have plenty of money now that they need it for their care. Able to live in a beautiful AL instead of a horrible Medicaid funded place. They didn't rely on any of their 4 kids for this day. I'm very lucky my parents were good with their money.
For my mother’s NH care, she used a long term policy that she and my dad had bought, combined with her Social Security check. The policy proved to be a mistake as it was completely exhausted in about a year. All it accomplished was shortening the time until something else had to be done. She was private pay from their savings briefly until the Medicaid process was completed, and from then on the NH was paid through her SS and Medicaid.
Confused777, with my parents, they came from the old school of saving for a "rainy day" which was common for their generation. They were children of the Great Depression.
For elders who now need a village to take care of them, thus a nursing home, the elder can apply for Medicaid [which is different from Medicare] which will help pay for the room/care.
You have to play the Medicaid game. This won't work for most assisted living facilities as most don't take Medicaid, but nursing homes do take LTC Medicaid. Your parent will easily qualify based on the income. Whatever savings he/she has needs to be spent down (on his care) until the amount left in the bank account is under the state's limit for Medicaid qualification. The catch is your parent also needs to qualify Medically for NH care. You need a SW and a physician to recommend NH care for your parent.
You should not be the one to pay. You will need to save for your own retirement throughout your entire life in order for your own child not to send this question to a Forum. You only can afford this with a comfortable cushion of savings on top of Social Security. If that doesn't exist then there must be the spend down to whatever number the state requires to give medicaid help and your choices will be terribly limited, with very little likelihood of any ALF or MC. Just the typical nursing home, which is none too good a choice. This is the sad fact, and why so many struggle to attempt to caregive their elders which is a nearly impossible thing for their own lives.
My parents sold their home and cashed out their 2 stocks in order to afford Assisted Living. Then the VA kicked in with Aid & Attendance benefits for dad's wartime service as a soldier on the front line on Normandy Beach. That A&A benefit extended to mom after dad died, so together with their Social Security, the A&A benefits, and their savings, they spent ALL their hard earned lifetime savings of $450K (thanks mostly to the value of TWO stocks) to live in AL and then Memory Care for a total of 7 years.
That's how.
And if mom lived a few months longer than she did, I would have applied for Medicaid to fund her future care in a SNF since she had gone through all of her savings, sparing the taxpayers the need to fund her care while I squirreled away/hid those assets for my inheritance, as we hear about ALL THE TIME.
My parents sold their townhouse to afford IL and then AL. My mom passed while in IL and my dad lives in AL now. He pays about $5k a month, but both his Social Security and pension plan offset the cost and he has plenty left from the sale of their townhouse. I think selling their townhouse is a better option over Medicaid. If they don’t have a home to sell, then I guess Medicaid is an option or hiring part-time home care which is super expensive. Meals on wheels and help from church members. It’s daunting if you can’t figure out a way to afford it and then once they move to IL or AL, you will quickly discover all the additional costs and shenanigans these owners try to impose. The owners make millions but no one else does. The caring staff get screwed as do the residents monetarily. In the end, if you can afford a good AL that you have researched, your parents will receive better care and safety more than you could ever supply. They will have food, shelter and 24/7 safety plus additional services such as exercise programs or a visiting doctor, onsite therapy-all of which Medicare covers. And skilled staff which is more than the average person can provide. But you pay for it-yearly for rent increases and at any time for increased care as they have levels of care. If your parents are outgoing, they will do better. If your parents are more introverted, they will struggle a bit. Plus, just like anywhere, there will be peer pressure. I apologize, I veered from the topic. I hope you can find a sustainable way to help your parents.
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.
In some states, ALs will accept whatever Medicaid pays and the elder's SS and pension less a small "personal care allowance". Some will accept Medicaid only after a certain period of "private pay".
The same goes for Nursing Homes: as far as I know, all states fund long term using home care via Medicaid if an elder qualifies both medically and financially.
Your best course of action is to have a consultation with a certified eldercare attorney or Medicaid Planner in mom's state so you understand how this works.
because of $? … or… Because your kids won’t have as much, or they’ll be invonvenienced? Or is it because people will write on some forum about the pain of putting you in a nursing home?
This is disturbing indeed.
Average 5k a month each West Coast of Florida.
They planned that is the key or as my father said "If you do not have a plan, you plan to fail".
For elders who now need a village to take care of them, thus a nursing home, the elder can apply for Medicaid [which is different from Medicare] which will help pay for the room/care.
That's how.
And if mom lived a few months longer than she did, I would have applied for Medicaid to fund her future care in a SNF since she had gone through all of her savings, sparing the taxpayers the need to fund her care while I squirreled away/hid those assets for my inheritance, as we hear about ALL THE TIME.
See All Answers