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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:
They currently live on their social security checks to pay the rent and bills. If one of them needs long term nursing care, we don't want what little savings there is to be used up, leaving nothing for the other one.
In the State of Florida it works like this: The spouse applying for Medicaid cannot have more than $2,000 in their name. It will be required for the applicant spouse have a checking account in their name only to which their income will be deposited and NOT commingled with the income of the Community Spouse (spouse not applying for benefits).
Since there is no penalty for transfers between spouses, and since there is no reason for the applicant spouse to have any assets at all, simply transfer everything to the Community Spouse. In this case, the Community Spouse will be able to keep the entire $20,000 in her name only.
To clarify, if their assets total $20,000 in a savings account and a car, can the Community Spouse keep half of that or $10,000 for future needs? Or do we need to divide the money into separate savings accounts for each of them?
JessieBelle has it about it. If your parents live in the same state as you, Florida, the Community Spouse (the spouse not receiving Medicaid) can, 2014 retain a minimum of $1,939 of the couple's combined monthly income and up to $117,240 in assets (in addition to the house, car, and personal effects). From your description of your parent's circumstances it appears no pre-planning is required. Make sure, however, that you have valid and complete Powers of Attorney and Health Care Surrogate Proxy's for both of them.
If they have minimal assets and you live in the USA, you can apply for Medicaid if one needs to go in a nursing home. The state will look at what assets are available and leave the spouse living in the community with enough money to pay the bills. You want to be really careful spending the money, since Medicaid may be in the future. Make sure you can account for all the money that is spent, and there is no allowance for sizable gifts to anyone. Medicaid has a look-back period, usually of 5 years, when financial records are analyzed. If the savings account is small and you foresee a nursing home for one of your parents within the next five years, you will want to think about ways that the money could be put to best use. The community spouse will probably be able to keep all of it if there isn't much. There are also valid expenditures, such as prepaid funeral expenses or home maintenance. I hope that others more experienced with Medicaid than I am will be able to comment more.
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.
The spouse applying for Medicaid cannot have more than $2,000 in their name. It will be required for the applicant spouse have a checking account in their name only to which their income will be deposited and NOT commingled with the income of the Community Spouse (spouse not applying for benefits).
Since there is no penalty for transfers between spouses, and since there is no reason for the applicant spouse to have any assets at all, simply transfer everything to the Community Spouse. In this case, the Community Spouse will be able to keep the entire $20,000 in her name only.
If your parents live in the same state as you, Florida, the Community Spouse (the spouse not receiving Medicaid) can, 2014 retain a minimum of $1,939 of the couple's combined monthly income and up to $117,240 in assets (in addition to the house, car, and personal effects).
From your description of your parent's circumstances it appears no pre-planning is required.
Make sure, however, that you have valid and complete Powers of Attorney and Health Care Surrogate Proxy's for both of them.