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How are they managing their medications?
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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.
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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I was corrected when I said the same thing Frebrowser did. There is a formula Medicaid uses when dealing with penalties.
In my state, mobile homes are registered like cars. There is a title not a deed. So Mom would be signing the title over. Also, like a car, trailers depreciates every year. What its worth this year, its not next year. In my State you pay no property taxes on mobile homes but in some states you do.
I was just trying to illustrate the concept so please confirm the exact numbers for your situation. I apologize for any confusion.
The title situation may vary by how old the home is and how permanently it is sited. We bought a trailer on its own residential lot and received a deed for the lot and a title for the trailer (an older single wide). Eventually we replaced it with a new double wide manufactured home with an attached oversized garage, which is all taxed on the lot’s parcel number and will transfer with the deed. This was not in Arizona, however.
A mobile home sounds like it might fall closer to the trailer end of the spectrum but it’s hard to be sure.
A bit of clarification. Such a transfer in a 5 year Medicaid look back would not disqualify a person for 5 years. Instead, the value of the transfer is compared to the amount to the daily cost of the nursing home care and the person is penalized for that many days that Medicaid won't pay.
This is a good thing to point out. So if care is $300 a day and we’re looking at a $30,000 mobile home, we’d predict a 100 day penalty; a $300,000 home would be 1,000 days; but a $600,000 home would be the maximum 5 years.
From your profile: "I am caring for my mother Paulette, who is 97 years old, living in independent living with age-related decline, arthritis, diabetes, hearing loss, incontinence, and urinary tract infection."
"Looking after my 96 year old mother, she is so mean and grouchy to me. I don’t know how much more I can take, I’m depressed and fed up. I have to take her to the grocery store and it takes 1 to 2 hours because she can barely walk and won’t let me buy groceries for her. She is very stubborn, I take her to doctors appointments too."
Why does your mother want to put her mobile home in your and your sister's names?
How much caregiving do you (and your sister?) do for her? How many hours a day? How many hours a week? Is your mother really capable of living independently? What happens when she's not? Do you have POA? HCPOA? Is she still considered mentally capable?
(BTW, I empathize re the hours in the grocery store with her. My mother was the same way.)
This kind of transfer can have a variety of unintended consequences.
As PeggySue2020 points out, the one we worry about here is the Medicaid lookback.
Since it's a mobile home, it might be on leased land in a park. If so you should find out what happens when there is a new owner. Does the rent go up? Must the new owner be approved?
Are there any changes in property tax when ownership changes?
Is the home worth more now than when she bought it? If so, find out about the "step up in basis" and why you'd pay more in taxes if you sell it after receiving it as a gift rather than an inheritance.
If it is worth than $32,000, remember that a gift tax return will be needed, although almost certainly, no tax will be due.
What will you do about homeowner's insurance if you don't live in it?
Do you or your sister owe anyone money? Is anyone likely to sue you? There isn't a messy divorce pending is there? You don't want anyone trying to get "your" house sold so you can pay them.
I'd suggest looking into a transfer on death title or maybe finding out whether the "small estate" process might work for you.
As always, if you want legal or tax advice you can rely on, consult an appropriate professional.
That could keep her from getting Medicaid snf benefits until 103.
Rather than this, can one or both of you be poa? If she needs to go into care ever, you have a better selection of places that may take Medicaid after a private pay period.
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.
In my state, mobile homes are registered like cars. There is a title not a deed. So Mom would be signing the title over. Also, like a car, trailers depreciates every year. What its worth this year, its not next year. In my State you pay no property taxes on mobile homes but in some states you do.
The title situation may vary by how old the home is and how permanently it is sited. We bought a trailer on its own residential lot and received a deed for the lot and a title for the trailer (an older single wide). Eventually we replaced it with a new double wide manufactured home with an attached oversized garage, which is all taxed on the lot’s parcel number and will transfer with the deed. This was not in Arizona, however.
A mobile home sounds like it might fall closer to the trailer end of the spectrum but it’s hard to be sure.
"Looking after my 96 year old mother, she is so mean and grouchy to me. I don’t know how much more I can take, I’m depressed and fed up. I have to take her to the grocery store and it takes 1 to 2 hours because she can barely walk and won’t let me buy groceries for her. She is very stubborn, I take her to doctors appointments too."
Why does your mother want to put her mobile home in your and your sister's names?
How much caregiving do you (and your sister?) do for her? How many hours a day? How many hours a week? Is your mother really capable of living independently? What happens when she's not? Do you have POA? HCPOA? Is she still considered mentally capable?
(BTW, I empathize re the hours in the grocery store with her. My mother was the same way.)
As PeggySue2020 points out, the one we worry about here is the Medicaid lookback.
Since it's a mobile home, it might be on leased land in a park. If so you should find out what happens when there is a new owner. Does the rent go up? Must the new owner be approved?
Are there any changes in property tax when ownership changes?
Is the home worth more now than when she bought it? If so, find out about the "step up in basis" and why you'd pay more in taxes if you sell it after receiving it as a gift rather than an inheritance.
If it is worth than $32,000, remember that a gift tax return will be needed, although almost certainly, no tax will be due.
What will you do about homeowner's insurance if you don't live in it?
Do you or your sister owe anyone money? Is anyone likely to sue you? There isn't a messy divorce pending is there? You don't want anyone trying to get "your" house sold so you can pay them.
I'd suggest looking into a transfer on death title or maybe finding out whether the "small estate" process might work for you.
As always, if you want legal or tax advice you can rely on, consult an appropriate professional.
Rather than this, can one or both of you be poa? If she needs to go into care ever, you have a better selection of places that may take Medicaid after a private pay period.