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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:
Too late, once you are on Medicaid, they own everything. Were she to deed it now, a penalty in the amount of the market value of the home kicks in and Medicaid stops paying until the money is accounted for. Don't do it.
Have you been living with her for at least the last two years, with her home as your only residence? If so, the house may qualify as an exemption when it comes time for Medicaid recovery. Otherwise, the answer is, as pstegman wrote, no.
So is mom still @ home or is she about to go into a NH or already in a NH?
What is the status on the home…??? is mom still filing a homestead on it and does she want to return to the home? Are you going to continue living in the home? Can you afford to do so without any of mom's income? Who will inherit the home and what is their financial situation? Are these are important ? to take into account before you or mom do anything.
Medicaid in most states, does NOT require that a Medicaid recipient sell their home. Their home an a car is an exempt asset for Medicaid. Medicaid does not own the home, Medicaid is NOT in the real estate business. But for Medicaid paid for NH benefit, for Medicaid mental health stays and some other Medicaid programs, the states are required to have ability to place a claim or lein on the property to possibly reimburse the state's payments to a facility on your behalf. This is called MERP - Medicaid Estate Recovery Program. Not all Medicaid programs have MERP done either (like any child / infant / mother Medicaid programs and some other community based Medicaid programs, do NOT have any MERP claim or liens at all.
Now how MERP runs is very much dependent on your states death laws, property rights and probate. MERP is designed to be done after death through probate. Now MERP has many exclusions, you should Google your state's Medicaid MERP info site to see what is available. There is a standard caregiver exemption to the property……most states have this set up so that IF you provided care full time for them which kept them out of the NH for 2 or 3 years prior to the NH, then you can apply for the exemption so that you can own the property. Now the caregiving has to be documentable and usually yu need a letter from their primary MD that it was needed. Here is where it gets sticky, some states expect the caregiver property exclusion to be done when they apply for Medicaid. You have to ask how your state does this. Now you also can wait and deal with this after mom has died and then you file for the exemption. Whatever the case, you have to be able to have your own income to be able to pay for everything on the house from this point on. Mom's income (like her SS) can't be counted on anymore if she goes into a NH as that will go towards her required co-pay under Medicaid.
Call the Medicaid office to see how the caregiver home exemption is done. If all this seems overwhelming to you, then go an see an elder law attorney to work this all through for you and mom. Good luck.
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.
What is the status on the home…???
is mom still filing a homestead on it and does she want to return to the home?
Are you going to continue living in the home? Can you afford to do so without any of mom's income? Who will inherit the home and what is their financial situation?
Are these are important ? to take into account before you or mom do anything.
Medicaid in most states, does NOT require that a Medicaid recipient sell their home. Their home an a car is an exempt asset for Medicaid. Medicaid does not own the home, Medicaid is NOT in the real estate business. But for Medicaid paid for NH benefit, for Medicaid mental health stays and some other Medicaid programs, the states are required to have ability to place a claim or lein on the property to possibly reimburse the state's payments to a facility on your behalf. This is called MERP - Medicaid Estate Recovery Program. Not all Medicaid programs have MERP done either (like any child / infant / mother Medicaid programs and some other community based Medicaid programs, do NOT have any MERP claim or liens at all.
Now how MERP runs is very much dependent on your states death laws, property rights and probate. MERP is designed to be done after death through probate. Now MERP has many exclusions, you should Google your state's Medicaid MERP info site to see what is available. There is a standard caregiver exemption to the property……most states have this set up so that IF you provided care full time for them which kept them out of the NH for 2 or 3 years prior to the NH, then you can apply for the exemption so that you can own the property. Now the caregiving has to be documentable and usually yu need a letter from their primary MD that it was needed. Here is where it gets sticky, some states expect the caregiver property exclusion to be done when they apply for Medicaid. You have to ask how your state does this. Now you also can wait and deal with this after mom has died and then you file for the exemption. Whatever the case, you have to be able to have your own income to be able to pay for everything on the house from this point on. Mom's income (like her SS) can't be counted on anymore if she goes into a NH as that will go towards her required co-pay under Medicaid.
Call the Medicaid office to see how the caregiver home exemption is done. If all this seems overwhelming to you, then go an see an elder law attorney to work this all through for you and mom. Good luck.