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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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You'd have to see an estate attorney or elder attorney who knows Medicaid laws. Be very careful of an attorney who makes the picture too rosy. Medicaid is for people who don't have the money to pay for care. It's that simple. If your parents have the money, they pay. Long-term care insurance, if gotten ahead, can help a lot here, since now they let the family keep the amount of assets the LTC insurance paid out. Say they had $50,000 LTC insurance. I believe - and laws change and states vary - but I believe that you would be able to keep $50,000 in assets. Again, an attorney is the one to help you. There are annuities, etc. Some can be good, others are very bad. Be careful and check the attorney's credentials. Carol
Lucky for me, the Medicaid laws in NY seem to be more forgiving than everywhere else in the country. Carol gave you some wonderful tips, but you should also contact the Medicaid/Medicare offices in your state to see of they have any free trainings to help you navigate the local system(s), qualify, and keep what you already have. Wish you the best.
I agree with MindingOurElders about finding a good attorney who specializes in elder law. I went through Medicaid planning with my mother. It is important to abide by the law if your goal is asset protection. Expect to have a long waiting period to qualify for Medicaid and expect to pay out of pocket for cost of care during that period. The laws are always changing so please, contact an attorney. You can find a good one in your area by searching at The National Academy of Elder Law Attorneys http://www.naela.org/
Medicaid is a federal program for low-income, financially needy people of all ages, not just the elderly. It was never meant for the elderly that have substantial assets and monthly income. Medicare is for all seniors to help offset medical costs. The federal government is not an agency that pays for seniors who need nursing home or assisted living care who have the assets and income for this type of care. Future inhertitence of these assets should not be a prelude to having the government absorb the cost of their care first.
The 14,000 "gift" just means that you don't have to pay taxes on it. It will still be taken into consideration if that person ever has to apply for Medicaid and those "gifts" were within the 5 year look-back. .
Texashair, it would be best to consult an Elder Law Attorney with that question as it is complex, plus each State has their own rules and regulations regarding Medicaid.
Question: Please help! My mom has alzheimers, lives with me in my home, sold her home 7 yrs ago. Her assets righ now included about $7,000 in cash in savings & checking ( with my name also being on both checking and savings accounts.). She has a $5,000 PERMANENT LIFE POLICY, along with $2,500 WHOLE LIFE, and a $15,000 UNIVERSAL LIFE which we just the UNIVERSAL policy in November 2012 from a $50,000 policy. I took out a total of $35,000 from the $50,000 policy to pay off her addition we put on my home in 2005 ($10,000) gifted, $10,000 to her grandkids and put $15,000 in her savings account. We just applied for medicaid as she now needs to be in a nursing home real soon. I was told to start to spend down, but I want her in a local nursing home near where we live. 1: Do I pre pay her funeral with the cash, or use the insurance policys for the funeral palor to hold? If I use the insurance policies, do I use the UNIVERSAL once for $15,000? and if the funeral only cost $10,000 do I get the balance of teh policy? OR.... Do I place her in the nursing home of my choice, cashing in the $15k Universal policy and her cash which may cove 1-2 months till medicaid kicks in when all her money is gone? OR..... do I use the 2 smaller policy's of $5,000 and $2,500 to pre pay the funeral? I am so confused??? Can the nursing home take the $15,000 Universal Policy?
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.
Long-term care insurance, if gotten ahead, can help a lot here, since now they let the family keep the amount of assets the LTC insurance paid out. Say they had $50,000 LTC insurance. I believe - and laws change and states vary - but I believe that you would be able to keep $50,000 in assets. Again, an attorney is the one to help you. There are annuities, etc. Some can be good, others are very bad. Be careful and check the attorney's credentials.
Carol
Lucky for me, the Medicaid laws in NY seem to be more forgiving than everywhere else in the country. Carol gave you some wonderful tips, but you should also contact the Medicaid/Medicare offices in your state to see of they have any free trainings to help you navigate the local system(s), qualify, and keep what you already have. Wish you the best.
-- ED
In a word...yes.
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