Are you sure you want to exit? Your progress will be lost.
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.
✔
I acknowledge and authorize
✔
I consent to the collection of my consumer health data.*
✔
I consent to the sharing of my consumer health data with qualified home care agencies.*
*If I am consenting on behalf of someone else, I have the proper authorization to do so. By clicking Get My Results, you agree to our Privacy Policy. You also consent to receive calls and texts, which may be autodialed, from us and our customer communities. Your consent is not a condition to using our service. Please visit our Terms of Use. for information about our privacy practices.
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:
Also I'd like to suggest that if your elder or parent in a NH & on medicaid wants to keep their home and family has decided to go along with this & will be paying house costs from day 1 till after they die, you really need to keep very detailed documentation on all costs you are or will be fronting. All costs too!... taxes paid even light bulbs for front porch for $8.64...it will add up! Most states have it in law that the usual & normal costs paid on the empty house -like insurance, utilities, maintenance, taxes - can be an exclusion to the MERP tally against the elders estate. I'd also suggest that you do some sort of agreement or perhaps even a promissory note between whomever will be paying the mortgage, etc and your parent (the property owner) in advance of your paying for house stuff as to how you are to be repaid upon sale or upon death. If you have a business and the biz pays for house costs, it can place a lien on the property. All this just allows you to be a placeholder to be repaid or have your own claim or lien when the house is sold or transfers ownership.
Your personal time to deal with the house well all that you probably really can't be compensate for - that you just do cause its your good daughter/son, family responsibility to help & do - but if your elder keeps the house & dies, then the executor can file for MIE (miles and incidental expenses) with documentation as a claim against the estate in probate. None of this is simple or casual.
Mortgage holder is a secured creditor so it would be paid before other creditors. this is a traditional mortgage & not a reverse mortgage, right?
If your ? is about an elder who is moving into a NH or is in a NH and sells their home, then at the act of sale the mortgage would be paid off from the proceeds of the sale paid by the buyer to release& cancel the mortgage. If there is any $ left over, it becomes income /assets for the seller and will probably take them into a spend down period to re qualify for Medicaid.
If your question is what happens if they keep their home for the rest of their life and they are now living in a NH on Medicaid, that IMHO is stickier to deal with. Medicaid requires them to pay almost all their monthly income to the NH as their copay. So that mortgage....well someone in the family will need to pay the mortgage due every month or the house will go into foreclosure. Plus family will need to pay all other costs like taxes, insurance, etc on the house. When they finally die, if the house still has a mortgage, it will need to be paid off within probate system in order for it to sell or transfer ownership. So family will still need to pay mortgage to keep this from happening. Mortgage holder is a secured creditor so will be paid off before MERP as MERP is an unsecured creditor for probate.
Keeping a home with a mortgage when they are in a NH will require family to pay the mortgage and whatever else on the house each & every month on a property that neither you or the elder actually owns. Mortgages require insurance to be done too. Moms old homeowners policy will be invalid & she will need to get a vacant dwelling policy & these are pricey.
Please do the math to figure out if this at all could make sense.
Some Medicaid programs have paperwork which rlder can do for a diversion of their required copay for a limited period (like 6 mos) to pay the mortgage and utilities (usually not taxes or insurance) while the house is on the market & listed with a Realtor.
Yes MERP will go after the house, but they stand in line behind the bank. An attorney can tell you what order the bills are paid in, or you can look up the probate laws for your state.
Do you mean the state's recovery program from someone on Medicaid?
The mortgage holder would get paid out of the proceeds of the house sale, and that state could take the remainder, up to the amount they've paid for the nursing home (typically all of 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.
Your personal time to deal with the house well all that you probably really can't be compensate for - that you just do cause its your good daughter/son, family responsibility to help & do - but if your elder keeps the house & dies, then the executor can file for MIE (miles and incidental expenses) with documentation as a claim against the estate in probate. None of this is simple or casual.
If your ? is about an elder who is moving into a NH or is in a NH and sells their home, then at the act of sale the mortgage would be paid off from the proceeds of the sale paid by the buyer to release& cancel the mortgage. If there is any $ left over, it becomes income /assets for the seller and will probably take them into a spend down period to re qualify for Medicaid.
If your question is what happens if they keep their home for the rest of their life and they are now living in a NH on Medicaid, that IMHO is stickier to deal with. Medicaid requires them to pay almost all their monthly income to the NH as their copay. So that mortgage....well someone in the family will need to pay the mortgage due every month or the house will go into foreclosure. Plus family will need to pay all other costs like taxes, insurance, etc on the house. When they finally die, if the house still has a mortgage, it will need to be paid off within probate system in order for it to sell or transfer ownership. So family will still need to pay mortgage to keep this from happening. Mortgage holder is a secured creditor so will be paid off before MERP as MERP is an unsecured creditor for probate.
Keeping a home with a mortgage when they are in a NH will require family to pay the mortgage and whatever else on the house each & every month on a property that neither you or the elder actually owns. Mortgages require insurance to be done too. Moms old homeowners policy will be invalid & she will need to get a vacant dwelling policy & these are pricey.
Please do the math to figure out if this at all could make sense.
Some Medicaid programs have paperwork which rlder can do for a diversion of their required copay for a limited period (like 6 mos) to pay the mortgage and utilities (usually not taxes or insurance) while the house is on the market & listed with a Realtor.
The mortgage holder would get paid out of the proceeds of the house sale, and that state could take the remainder, up to the amount they've paid for the nursing home (typically all of it.)
Does that answer your question?