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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.
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Social Security is money she earned because she paid in during her working years (and/or her husband did.) That's an entirely different issue. She likely is on Medicare, as well, for her health insurance. Again, this is a combination of Medicare A, which has no co-payment and Medicare B, supplimental and Medicare D, all of which require payments.
As Vegaslady said, Medicaid is aid for the poor. Your mom has the assets to care for herself in any manner she chooses for quite awhile. Once she has spent down her assets, she then would qualify for Medicaid. Take care, Carol
Stocks are going to be an non-exempt asset whether no matter what the value is. Stocks are like 401K or life insurance policies with any cash value…they will need to be liquidated or cashed out with the proceeds going towards her care and the spend-down if she applies for Medicaid. Medicaid needs to have their financials pretty limited…so a house & car in their name, a simple bank account which can have up to 2K in assets and in which their monthly income (like her SS) goes into is OK. Bank accounts that are tied into money markets usually have to be closed out and changed to a simple checking account. Mom or whomever is her DPOA (and has it indicated they can do financial aspects of the DPOA) will need to contact her broker to close out accounts. It can take a bit of time depending on how the account(s) is/are set up. Brokers deal with this all the time.
Brokeage accounts will be tied to her SS # so it will come up eventually as an asset…there is not real way around it. Good luck.
No. Medicaid is for people with low income and little in assets (like around $2,000). Expect to have her start liquidating her assets to pay for her own needs. The rest of the taxpayers will help out after she has done what she can for herself. Look up the Medicaid requirements for your state online. Then you might consult an elder law attorney as to how to do this right.help out throughMedicaid when she NEEDS it.
I never heard of a low income condo ownership. Are you sure? I know there are Section 8 condos, but they are subsidized rentals. How much in the bank, I can't tell if you meant $100 or $100,000?
People can meet medicaid requirements and still own property. upon the death of, the state has dibs on the property for payment. But with that kind of money, she doesn't qualify for medicaid.
$100,000 will pay for about 1 1/2 years of NH care. Wilsonj, have you heard about Medicaid spend-down? Mom can spend a good deal of money on personal things like hearing aids, new glasses, a prepaid funeral, and dental work with no penalty.
You only qualify for medicaid if your asset is $2000 or less. But if your mom have long term care insurance partnership policy, it has an asset protection which would not require her to spend most of her asset and keep $2000. Supposed your mom has a total asset of 300,000..and then she entered a nursing home and used all her benefits(provided she bought a policy worth 200,000) without the long term care (LTC) insurance partnership policy, she is required to spend 298,000 before she can apply for medicad..but with the partnership program, she only needs to spend 98,000 because she is allowed to keep $2000 asset and the partnership policy provided the 200,000 asset protection.
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.
As Vegaslady said, Medicaid is aid for the poor. Your mom has the assets to care for herself in any manner she chooses for quite awhile. Once she has spent down her assets, she then would qualify for Medicaid.
Take care,
Carol
Brokeage accounts will be tied to her SS # so it will come up eventually as an asset…there is not real way around it. Good luck.
upon the death of, the state has dibs on the property for payment.
But with that kind of money, she doesn't qualify for medicaid.
Write back if you need more info.
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