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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
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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my mother and I have a joint checking account that i pay her bills from. She now has to apply for MEDICAID can they take the money even if my name is on the account?
What type of "joint" account? - if it is an account that only get's her SS, etc and you are just a signature on the account to pay bills or manage financials for her, then whatever is in the account will be looked at as her assets for Medicaid review. The bank account is solely in mom's SS number. This is what I have with my mom & I am POD on it. BUT - if it is an account that gets mom's money and you have your income deposited into it too, then there will be a problem. You are "commingling" the accounts and because of that you likely will have to document what is your funds and what is your mom's in order for the money in the joint checking account NOT to be viewed as totally mom's & subject to spend-down. This will be totally sticky and I'd suggest you get an elder law attorney to deal with this.
My mom's Medicaid application require hard documentation to show her assets and income. For my mom it was 3 years and 6 months of all banking in her asset review. That's a long period of time, if you have to recreate where the $ went.
Commingling accounts is a big NO for Social Security Adminstration too.
I would imagine Laws could be different by what state you live in, but not sure. When my Mother was still alive, her & I had a joint checking account, and then a time came when I could no longer care for her after her 2 surgeries, and she went to a NH and eventually had to apply for MEDICAID. There was never that much in her checking account, but I still had bills to pay (monthly fee for NH, her secondary Insurance, etc) and MEDICAID never took ANY of that money. My suggestion would be to talk to the Bank Branch Manager, but I don't think they can.
I do know my Bank Manager helped me a great deal when it came to Mom's finances & how to handle things Wishing you the very Best ! Looking forward to seeing what others have to say.
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.
- if it is an account that only get's her SS, etc and you are just a signature on the account to pay bills or manage financials for her, then whatever is in the account will be looked at as her assets for Medicaid review. The bank account is solely in mom's SS number. This is what I have with my mom & I am POD on it.
BUT
- if it is an account that gets mom's money and you have your income deposited into it too, then there will be a problem. You are "commingling" the accounts and because of that you likely will have to document what is your funds and what is your mom's in order for the money in the joint checking account NOT to be viewed as totally mom's & subject to spend-down. This will be totally sticky and I'd suggest you get an elder law attorney to deal with this.
My mom's Medicaid application require hard documentation to show her assets and income. For my mom it was 3 years and 6 months of all banking in her asset review. That's a long period of time, if you have to recreate where the $ went.
Commingling accounts is a big NO for Social Security Adminstration too.
I do know my Bank Manager helped me a great deal when it came to Mom's finances & how to handle things
Wishing you the very Best !
Looking forward to seeing what others have to say.