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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
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this account is maintained by him and all funds deposited are 98% made by him. Would medicade be able to seize the money in the account even though she is not an active participant on the account?
Unless your brother can prove funds originated from him the agency will consider the account 100% hers. Joint accounts are never a good idea and once Medicaid is being received the agency will require the account to be in mom's name only. The proper way to title accounts is as follows: 1. Name of Elder only 2. Name of POA 3. Name of Payable on Death (POD) beneficiary (if desired). This accomplishes the three goals we are trying to achieve: 1. Allows the elder to have control while competent. 2. Allows the POA to step in when required. 3. Avoids probate at elder's demise (if this is desired).
You betcha they can and they will and even if you move it now, there is a five-year look back period by Medicaid. This is why you need an Elder Law attorney ASAP.
It would be a good idea to have them separate their money into separate accounts; his income/assets are considered hers as long as they're in a joint account. If he wants to continue assisting her financially, it is best to pay the bills directly rather than putting the money into her account- Medicaid would consider any monetary gifts as income, but they do not count it as such if the family pays the bills directly. For example: Mom usually has a monthly elecricity bill of $200 and son wants to help because she can't afford it. If son puts $200 into mom's account every month, that $200 is considered income. However, if son pays the power company the $200 directly, Medicaid would not count that money against mom.
The expert has answered the question -see an Elder Lawyer ASAP and follow his advice-there is a look back period but acting now might be able to be of help.
This is not a good strategy for managing her money. I assume that her name is on the account, since you say it is joint. Is she already receiving Medicaid? If her name is on the account, Medicaid will not be able to see what is hers and what is his. Monies need to be separated. Your brother may want to get advice on the best way to do this so it will not appear to be a gift.
Please follow the advice of the expert. If you need additional help, consult an attorney who specializes in Elder Law or a Certified Financial Planning Practitioner.
I don't think they can take the money. I also have my name on my mother's acct for my ability to manage finances. Many state agencies look at it as 'income' for me and other's look at it as resource.
I suggested taking the experts advice; i am joint on my mothers account but none of my money is in the account only her money and her deposits go into the account --by having joint access I can write checks on her behalf, withdraw $$ for her, make deposits etc but money is never co mingled
My brother had a similar issue when he was originally handling my mother's care. Medicaid/Medicare came after the account, even AFTER it had been closed down for 2 years. Social security would deposit her checks into the account, and he'd withdraw it to pay the nursing home immediately. After she was relocated to me, he closed the account and took out ALL of HIS money. The agencies required him to pay all of it back, even though he proved it was HIS money and not "theirs". (It was refunded a year later... after a massive headache)
What I did was set up a bank account (with my POA), with her and my name on it. I have social security direct deposit into the account, and I don't touch it unless it's to pay her nursing home. There was only ONE issue, and I could easily prove where the money went and who's it was. I will NEVER deposit my own money into that account, and if I do, I consider it a lost cause.
Never underestimate the power of greed. Even after all of these steps, I still have random family members accusing me of trying to steal my mom's money. This is yet another reason I ONLY leave HER money in there and ONLY use it for her expenses. It cuts out a lot of people's lies easily. I also document the garbage out of anything in regards to HER money. Receipts upon receipts, etc.
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.
Joint accounts are never a good idea and once Medicaid is being received the agency will require the account to be in mom's name only.
The proper way to title accounts is as follows:
1. Name of Elder only
2. Name of POA
3. Name of Payable on Death (POD) beneficiary (if desired).
This accomplishes the three goals we are trying to achieve:
1. Allows the elder to have control while competent.
2. Allows the POA to step in when required.
3. Avoids probate at elder's demise (if this is desired).
If he transfers money of hers into his account, it will establish a transfer datem but that $$ can only be spent on her and must be accounted for;
The downside of that is it is 'attachable' bu his creditors/predators.
If he is in GA I can with that, avoiding the high cost of a trust.
What I did was set up a bank account (with my POA), with her and my name on it. I have social security direct deposit into the account, and I don't touch it unless it's to pay her nursing home. There was only ONE issue, and I could easily prove where the money went and who's it was. I will NEVER deposit my own money into that account, and if I do, I consider it a lost cause.
Never underestimate the power of greed. Even after all of these steps, I still have random family members accusing me of trying to steal my mom's money. This is yet another reason I ONLY leave HER money in there and ONLY use it for her expenses. It cuts out a lot of people's lies easily. I also document the garbage out of anything in regards to HER money. Receipts upon receipts, etc.
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