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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.
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PMBB - you & your daughter need to understand the different ways that a NH stay can be paid. About 30% is private pay (either from your $ or family pays your costs) or by LTC insurance policy; 5-10% of stays are for post hospitalization rehab at the NH which Medicare pays 20 days and then possibly 80% of up to 100 days; and the other 60-65% are Medicaid paid NH stays. This site has some really good articles that explain how Medicaid & Medicare are different yet work together is paying for care. It can be very confusing........!!
For Medicaid, you have to be "at need" both medically and financially at whatever standards your state has for its Medicaid program. Although Medicaid is a joint federal & state program, it is administered uniquely by each state. For NH medicaid, "Medically" means needing skilled nursing care." Financially" means you are basically impoverished within whatever monthly income your state has established and with a maximum of 2K of non-exempt assets.
In general, The exempt assets are a home if it is your homestead & primary residence; a car; a preneed funeral policy; and some types of life insurance policies. But upon your death, the exempt assets become nonexempt and are subject to an attempt of recovery of the costs paid for your care by Medicaid. This is MERP and all states must have a merp recovery program in place. Now whether or not recovery is done or feasible depends on your states laws as well as exemptions, exclusions or other determinations set for MERP.
If your share is only 10%, then recovery is limited to 10% of the value in theory. If the house is low value - like under 100k - I'd bet a recovery won't be done as the cost effectiveness to go after recovery for under 10k isn't effective. But if the house is worth above that, a recovery probably will be attempted. The bad part is that it's a claim or a lien that gets attached to the property and will pose issues if your daughter wants to sell the house or get any equity lending on the house. Also the MERP amount can have interest & fees attached to the initial figure.
For a 10% interest, personally if it were me, I'd try to get daughter to "buy" your 10% and then you use those funds toward your spend-down towards medicaid. So yiu apply fir medicaid without any house ownership. To set value on the house, you can get the house appraised to come up with a valid & legal figure. If you all think the house is worth less than the tax assessor value, getting a conservative appraisal is a win-win for all, as it's gets the 10% as low as possible and provides documentation to get the tax value lowered by the assessor so less taxes to pay and provides a valid # if Medicaid ever challenges the amount your daughter paid.
Having her buy your 10% now just gets rid of having any MERP zombies coming up years from now on the property and keeping possibly years of documentation on the costs of the house by each of your share. Another reason to buy your 10% is that she or others in the family will need to pay your 10% of costs once you go onto Medicaid. Often families aren't aware of the required copay or SOC ( share of cost) by Medicaid. All your monthly income will have to be paid to the NH as your SOC. all you will have is a modest $ 35 -115 a month personal needs allowance. There will never ever be any of your income to pay on any house costs realistically ever again. Someone will need to pay all house costs and then also track and keep documentation on all house costs at the 90/10 ratio. To me, it's a lot of work for just 10%.
Yeah its alot to think about. A good elder law attorney will know how to get all this done so all good & within medicaid rules for any blowback from Medicaid.
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.
For Medicaid, you have to be "at need" both medically and financially at whatever standards your state has for its Medicaid program. Although Medicaid is a joint federal & state program, it is administered uniquely by each state. For NH medicaid, "Medically" means needing skilled nursing care." Financially" means you are basically impoverished within whatever monthly income your state has established and with a maximum of 2K of non-exempt assets.
In general, The exempt assets are a home if it is your homestead & primary residence; a car; a preneed funeral policy; and some types of life insurance policies. But upon your death, the exempt assets become nonexempt and are subject to an attempt of recovery of the costs paid for your care by Medicaid. This is MERP and all states must have a merp recovery program in place. Now whether or not recovery is done or feasible depends on your states laws as well as exemptions, exclusions or other determinations set for MERP.
If your share is only 10%, then recovery is limited to 10% of the value in theory. If the house is low value - like under 100k - I'd bet a recovery won't be done as the cost effectiveness to go after recovery for under 10k isn't effective. But if the house is worth above that, a recovery probably will be attempted. The bad part is that it's a claim or a lien that gets attached to the property and will pose issues if your daughter wants to sell the house or get any equity lending on the house. Also the MERP amount can have interest & fees attached to the initial figure.
For a 10% interest, personally if it were me, I'd try to get daughter to "buy" your 10% and then you use those funds toward your spend-down towards medicaid. So yiu apply fir medicaid without any house ownership. To set value on the house, you can get the house appraised to come up with a valid & legal figure. If you all think the house is worth less than the tax assessor value, getting a conservative appraisal is a win-win for all, as it's gets the 10% as low as possible and provides documentation to get the tax value lowered by the assessor so less taxes to pay and provides a valid # if Medicaid ever challenges the amount your daughter paid.
Having her buy your 10% now just gets rid of having any MERP zombies coming up years from now on the property and keeping possibly years of documentation on the costs of the house by each of your share. Another reason to buy your 10% is that she or others in the family will need to pay your 10% of costs once you go onto Medicaid. Often families aren't aware of the required copay or SOC ( share of cost) by Medicaid. All your monthly income will have to be paid to the NH as your SOC. all you will have is a modest $ 35 -115 a month personal needs allowance. There will never ever be any of your income to pay on any house costs realistically ever again. Someone will need to pay all house costs and then also track and keep documentation on all house costs at the 90/10 ratio. To me, it's a lot of work for just 10%.
Yeah its alot to think about. A good elder law attorney will know how to get all this done so all good & within medicaid rules for any blowback from Medicaid.