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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.
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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.
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About Medicare & NH, coverage isn't guaranteed for 100 days. The NH MediCARE benefit is usually when they are discharged from a hospitalization to a NH for "rehab". The "rehab" is done for 3 - 4 weeks and if within that 3 - 4 weeks they do not progress in their rehab, they will get discharged from the Medicare paid for rehab. Medicare stops paying once that happens. So you need to have your elder get up and do and participate with whatever the PT or OT wants them to do. Sometimes they just can't so the Medicare benefit ends.
The first 3 - 4 week period is when you have to start to get your documents together to apply for Medicaid if they are going to need to continue to be in a NH and you cannot private pay or have LTC insurance to pay for the NH. If they continue to qualify for rehab / Medicare, it buys you more time to spend-down assets.
Help - It has been pointed out that there is more than 1 El Dorado (thanks CarolLynn!), so which one are you in?
It depends on the State in which you reside. First you have to establish residency. Get a new driver's license or photo ID at the state license vehicle department. Have mail sent and get a proof of residency from the post office! And open a bank account in that person's name. When we moved here to MD, I did all that. The age was three years but recently changed to two years at the Veteran's home. But if a person is hospitalized with a serious health problem, they can be sent there right away. My brother-in-law had a heart attack and could not get around by himself after that, so he was sent for "rehab" and then eventually just stayed there. The first 90 days is covered by Medicare. After that you have to start chipping in for the fees (which are high any way you look at it!) He had lived in MD for one year and a month when he had the heart attack. I hope this helps.
Help - realize that Medicaid is managed or adminstrated by EACH state under an overall federal guideline. It gets $ from the feds and the state. So the states need to provide their services to their residents first and for most. You will need to do whatever to establish mom to be an Arkansas resident. I'd speak with Medicaid to see what needs to happen for your state specifically. Your mom's situation happens all the time.
One thing you are defintely going to need to do is get mom's SS or other retirement into an Arkansas bank with an AR address. If her current bank is big and has branches in Arkansas (even if in Little Rock), then she can change her address to your address in Arkansas easily for the bank.
But if her bank does not have Arkansas locations, it is going to be more difficult. WIth SS and most retirements, the retiree has to do changes themselves - you cannot do it for them. If mom is kinda sketchy in her cognitive abilities in person, the SS office and banks will be reticient to have her do anything as she may come across as incompetent. I'd suggest if that is what is likely to happen then you go to your local bank by yourself in advance and make super nice with a bank officer to see what they suggest. Downplay that mom is demented too. If you're lucky, they will give you the names of a couple of easy to work with attorney's to do the DPOA, MPOA for AR law and then you can open a new account for mom. It would be her solo account but you should be a signature on the account (no ownership) and make it POD to you - that is pay on death to you. This way no after death asset on the account. Then you can go on-line to SS and her retirement account on behalf of your mom (you do this as her) to get her SS & retirement direct deposit to the new AR bank account.
Whatever you do for a NH, make sure that it will accept her as "Medicaid Pending" and that if Medicaid is declined, that the billing will be at the Medicaid rate and NOT their private pay rate. This is critically important as the price difference can be huge and you may have to pay for some days while she is not an AR resident.
Also does mom own a home or a car in her old state? If so, she will denied Medicaid in AR. Although their home or car is an exempt asset, it is exempt only for the state where the property is located. The care you can transfer to AR but the house, well, you are screwed there. It will be a non-exempt asset and have to be sold with the proceeds from the sale used for her spend-down. So if this is your mom's situation, you have to sell the house. But if mom doesn't have a house, then every day when you are dealing with the maddening Medicaid maze and think this is just so loco, you can be grateful that you didn't have a house to deal with too. Good luck and keep a sense of humor in all this, you'll need it.
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.
The first 3 - 4 week period is when you have to start to get your documents together to apply for Medicaid if they are going to need to continue to be in a NH and you cannot private pay or have LTC insurance to pay for the NH. If they continue to qualify for rehab / Medicare, it buys you more time to spend-down assets.
Help - It has been pointed out that there is more than 1 El Dorado (thanks CarolLynn!), so which one are you in?
One thing you are defintely going to need to do is get mom's SS or other retirement into an Arkansas bank with an AR address. If her current bank is big and has branches in Arkansas (even if in Little Rock), then she can change her address to your address in Arkansas easily for the bank.
But if her bank does not have Arkansas locations, it is going to be more difficult. WIth SS and most retirements, the retiree has to do changes themselves - you cannot do it for them. If mom is kinda sketchy in her cognitive abilities in person, the SS office and banks will be reticient to have her do anything as she may come across as incompetent. I'd suggest if that is what is likely to happen then you go to your local bank by yourself in advance and make super nice with a bank officer to see what they suggest. Downplay that mom is demented too. If you're lucky, they will give you the names of a couple of easy to work with attorney's to do the DPOA, MPOA for AR law and then you can open a new account for mom. It would be her solo account but you should be a signature on the account (no ownership) and make it POD to you - that is pay on death to you. This way no after death asset on the account. Then you can go on-line to SS and her retirement account on behalf of your mom (you do this as her) to get her SS & retirement direct deposit to the new AR bank account.
Whatever you do for a NH, make sure that it will accept her as "Medicaid Pending" and that if Medicaid is declined, that the billing will be at the Medicaid rate and NOT their private pay rate. This is critically important as the price difference can be huge and you may have to pay for some days while she is not an AR resident.
Also does mom own a home or a car in her old state? If so, she will denied Medicaid in AR. Although their home or car is an exempt asset, it is exempt only for the state where the property is located. The care you can transfer to AR but the house, well, you are screwed there. It will be a non-exempt asset and have to be sold with the proceeds from the sale used for her spend-down. So if this is your mom's situation, you have to sell the house. But if mom doesn't have a house, then every day when you are dealing with the maddening Medicaid maze and think this is just so loco, you can be grateful that you didn't have a house to deal with too. Good luck and keep a sense of humor in all this, you'll need it.