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Where does the half-sister live? At home, getting at-home/waiver Medicaid, or in AL or in NH?
Yes, as everyone else so far has said, sounds like she has definitely exceeded the "asset eligibility" level, no matter where she is living, and, also sounds like the reporting of the receiving of the inheritance (and annuity) is very late.....if it was received "last year."
But, if she now has a windfall, so to speak, and she cannot utilize Medicaid for some period of time (they do have a mathematical formula), so has to private pay, maybe she can use that windfall to get a higher level of care -- wherever she lives --- or move to a better place? One that will accept Medicaid once that kicks back in.
Oh: I should say that I've not heard about a retroactive recovery, so that Medicaid would go back 7 years to recoup. Only know about prospective "sorry, you don't qualify anymore" so you have to private pay until you can pass the asset test again.
Depends on how much Medicaid has spent on her over the 7 years. I think they will look to recoup any money they have put out and then if there is more left than the minimum she will probably loose it until she meets the requirements again, if she does. Presumably she is on Medicare in which case we are only talking about the care Medicaid has picked up after Medicare has paid there portion. But is sounds like she may not qualify again if she inherited that large a sum plus the annuity is paying out enough to give her a decent monthly income. Rules are also a little different state to state so you really need to consult her state rules to know for sure. If she inherited a year ago I'm a little surprised it hasn't caught up with yet and she's still on Medicaid, has it not transferred to her yet/the estate not settled yet?
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.
Yes, as everyone else so far has said, sounds like she has definitely exceeded the "asset eligibility" level, no matter where she is living, and, also sounds like the reporting of the receiving of the inheritance (and annuity) is very late.....if it was received "last year."
But, if she now has a windfall, so to speak, and she cannot utilize Medicaid for some period of time (they do have a mathematical formula), so has to private pay, maybe she can use that windfall to get a higher level of care -- wherever she lives --- or move to a better place? One that will accept Medicaid once that kicks back in.
Oh: I should say that I've not heard about a retroactive recovery, so that Medicaid would go back 7 years to recoup. Only know about prospective "sorry, you don't qualify anymore" so you have to private pay until you can pass the asset test again.
Medicare plus a supplemental policy may be needed.
On Medicaid, one is required to report changes, I believe within 10 days. Not sure.