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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.
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.
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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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NH director is saying whatever to ensure having a resident who can pay their NH bill. Her comments are totally from that perspective and not what may necessarily be in your mom’s best interest.
Your mom can continue to own her home & be in a NH. HOWEVER she will HAVE to HAVE the $$ to afford both. That will likely be a problem & NH director has seen this over & over
Realize NH can run 5-15k a mo; house (no mortgage) costs let’s say 15k-20k a yr for taxes, insurance, maintenance. So does your mom get $2k - 2,788 max SS mo income & have 250k - 300k in savings to be able to afford both house & NH for the average 2.5 yr NH stay?
If your mom is like most coming onto this site, she’s maybe $1200 a mo SS & 50k in savings & an old house that costs 15k a yr. Her finances are manageable as she can draw from savings to cover an emergency. BUT if she moves into a NH, between NH & her home all her $ will be gone within 6 months at best. She can’t afford both. Then what???
Well it means she applies for Medicaid. For Medicaid she can have only 2k in assets and basically all her monthly income MUST be paid to the NH as the required Medicaid copay or SOC (share of cost). Your Mom will have no-nada-zero $ to ever pay a penny on that old house of hers. She can continue to own it but someone in the family must pay all costs on a property that they do not own. And pay those costs realizing that upon mom’s death the state is required to attempt via Estate Recovery (MERP) a reimbursement of all costs paid by Medicaid from value of the property. If mom wants to keep her empty home & family wants to enable her to do this, you as her DPOA have to -in my experience- have to personally have the wallet to afford what basically is a 2nd home for possibly years, be comfortable with risk, be able to keep documentation on every dime of property costs, have a reasonable expectation of getting exemptions/ exclusions to MERP, and plan on opening probate & for a period of time if need be. For the DPOA this could be a good bit of time & $$ with risk.
What seems to happen is that family is all gung-ho abt mom’s house for a bit of time. But then....Sissy #2 fails to pay taxes; SIL is against any time or $ contribution to her MILs house so that brother is out of any support; and the nephew who was going to live in the house and pay rent, utilities and do all maintenance is less than stellar. Everything “mom” from NH/ Medicaid/ property all falls to you - and you alone - as her DPOA to deal with & pay for. If not, stuff will happen..... like taxes not paid then it goes for tax sale; utilities get shut off if not paid; if it’s rented that has reporting requirements to both Medicaid and IRS.... NH director has seen families in your exact situation and they know that your mom keeping her home is more than likely a crisis in the making. NH does not want to get stuck in any of this if it can be avoided. So the advice given is “sell mom’s house” so she can private pay NH.
Think carefully as to the costs of both time & $ as to if it’s feasible for 2-4 years atop all your other expenses. If it’s feas, I’d suggest that mom & you as her dpoa before the Medicaid application meet with a NAELA level of elder law firms to discuss how to structure property costs you will be paying and review her will and other existing legal.
What? Will she be on Medicaid? You are allowed one home and one car. But payments if there are any will need to be made by others or any other assets. Does she have any assets, cash, stocks?
The home would have liens placed on it to pay for her care if she has to go in on Medicaid. The home is allowed because there is potential for income from rent from it. If sold, it must be at market value.
Your nursing home director shouldn't be giving you financial advice. Get your advice from the right people. You need to consult an elder care lawyer who is familiar with the Medicaid laws in your state. You absolutely can own a home and have Medicaid approval (with lots and lots of ifs and ands and buts attached to this statement!) There are also ways to protect any equity in the home from Medicaid's right to recover money from the estate after the patient dies. You need to talk to a lawyer.
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.
Your mom can continue to own her home & be in a NH.
HOWEVER she will HAVE to HAVE the $$ to afford both.
That will likely be a problem & NH director has seen this over & over
Realize NH can run 5-15k a mo; house (no mortgage) costs let’s say 15k-20k a yr for taxes, insurance, maintenance. So does your mom get $2k - 2,788 max SS mo income & have 250k - 300k in savings to be able to afford both house & NH for the average 2.5 yr NH stay?
If your mom is like most coming onto this site, she’s maybe $1200 a mo SS & 50k in savings & an old house that costs 15k a yr. Her finances are manageable as she can draw from savings to cover an emergency. BUT if she moves into a NH, between NH & her home all her $ will be gone within 6 months at best. She can’t afford both. Then what???
Well it means she applies for Medicaid. For Medicaid she can have only 2k in assets and basically all her monthly income MUST be paid to the NH as the required Medicaid copay or SOC (share of cost). Your Mom will have no-nada-zero $ to ever pay a penny on that old house of hers. She can continue to own it but someone in the family must pay all costs on a property that they do not own. And pay those costs realizing that upon mom’s death the state is required to attempt via Estate Recovery (MERP) a reimbursement of all costs paid by Medicaid from value of the property. If mom wants to keep her empty home & family wants to enable her to do this, you as her DPOA have to -in my experience- have to personally have the wallet to afford what basically is a 2nd home for possibly years, be comfortable with risk, be able to keep documentation on every dime of property costs, have a reasonable expectation of getting exemptions/ exclusions to MERP, and plan on opening probate & for a period of time if need be. For the DPOA this could be a good bit of time & $$ with risk.
What seems to happen is that family is all gung-ho abt mom’s house for a bit of time. But then....Sissy #2 fails to pay taxes; SIL is against any time or $ contribution to her MILs house so that brother is out of any support; and the nephew who was going to live in the house and pay rent, utilities and do all maintenance is less than stellar. Everything “mom” from NH/ Medicaid/ property all falls to you - and you alone - as her DPOA to deal with & pay for. If not, stuff will happen..... like taxes not paid then it goes for tax sale; utilities get shut off if not paid; if it’s rented that has reporting requirements to both Medicaid and IRS....
NH director has seen families in your exact situation and they know that your mom keeping her home is more than likely a crisis in the making. NH does not want to get stuck in any of this if it can be avoided. So the advice given is “sell mom’s house” so she can private pay NH.
Think carefully as to the costs of both time & $ as to if it’s feasible for 2-4 years atop all your other expenses. If it’s feas, I’d suggest that mom & you as her dpoa before the Medicaid application meet with a NAELA level of elder law firms to discuss how to structure property costs you will be paying and review her will and other existing legal.
The home would have liens placed on it to pay for her care if she has to go in on Medicaid. The home is allowed because there is potential for income from rent from it. If sold, it must be at market value.