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Which best describes their mobility?
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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?
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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.
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Did the attorney who did the document explain it to your mom? Lady Bird Deed only becomes active after moms death. The deed allows her estate to transfer ownership outside of probate and allows her to still maintain control over the property while alive, which means she can keep her homestead exemption and any other over age 65 perks on property taxes. If mom is still alive, it hasn’t transferred over to you just yet. It’s still hers.
That house can transfer outside of probate, allows it to bypass estate recovery (MERP) attempt should mom go onto Medicaid after age 55. So basically whomever named in the Deed can inherit her home after her death. Lady Bird only done in a handful of states, like MI & TX. Its legit Medicaid planning in those states.
Although sounds easy peasy, it can pose challenges, imo here’s why: LTC Medicaid (in a facility like a NH) requires those on LTC Medicaid to do a copay of almost all their monthly income to the NH. All they get to keep is whatever your State has as a personal needs allowance. PNA is $50-$60 a mo for most states and really gets spent at the NH for beauty shoppe, toiletries / clothing replacement. Because of income copay requirement, moms property costs will have to be paid by others. If only you on Lady Bird then it’s kinda all on you to pay. If other siblings also on it, hopefully they will all pay their % share.
If you aren’t familiar with what mom spends to keep her house running, please go thru her financials and add it up. Average stay in a NH is 2.5 years, so realistically you need to be able to pay at least 3 years of her house costs plus an emergency fund. Her annual property taxes really should be paid otherwise property will have hefty interest on the delinquency and will go up for tax sale, plus unpaid taxes will cloud the title from transferring.
Lady Bird Deeds are great but imo you have to have the ability to front all house co$t$ & do whatever to keep the house up till after mom dies and it can finally transfer. I’ve been on this forum quite a while and what seems to happen (whether a Lady Bird Deed, a Trust, Life Estate, etc) when elders keep their home but move into a facility is that someone who promised to do things or pay for things just stops….. family squabbles…. so house gets put up for sale. When it sells, as it still technically belongs to the elder, as they r still alive, so all the $ from Act of Sale is theirs. They go off Medicaid & do a spend down. No gifting.
To make a Lady Bird work, you kinda have to be in this for the long view, whether 5 months or 5 years. You have to have the time and resources for an indeterminate amount of time. Hope it’s totally feasible for you. Good luck!
Per Google: A Lady Bird Deed is a transfer of property to another with a reservation of a life estate. Meaning a person can transfer property and retain ownership in that property until death, at which point it will then transfer to the other.
I suggest you sit down with a Certified Elder Care attorney who can advise you about Medicaid requirements and 5 year lookbacks, etc. Just b/c your mother deeded her house to you does not necessarily mean it's 'protected' from being considered an asset by Medicaid.
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.
Lady Bird Deed only becomes active after moms death. The deed allows her estate to transfer ownership outside of probate and allows her to still maintain control over the property while alive, which means she can keep her homestead exemption and any other over age 65 perks on property taxes. If mom is still alive, it hasn’t transferred over to you just yet. It’s still hers.
That house can transfer outside of probate, allows it to bypass estate recovery (MERP) attempt should mom go onto Medicaid after age 55. So basically whomever named in the Deed can inherit her home after her death. Lady Bird only done in a handful of states, like MI & TX. Its legit Medicaid planning in those states.
Although sounds easy peasy, it can pose challenges, imo here’s why: LTC Medicaid (in a facility like a NH) requires those on LTC Medicaid to do a copay of almost all their monthly income to the NH. All they get to keep is whatever your State has as a personal needs allowance. PNA is $50-$60 a mo for most states and really gets spent at the NH for beauty shoppe, toiletries / clothing replacement. Because of income copay requirement, moms property costs will have to be paid by others. If only you on Lady Bird then it’s kinda all on you to pay. If other siblings also on it, hopefully they will all pay their % share.
If you aren’t familiar with what mom spends to keep her house running, please go thru her financials and add it up. Average stay in a NH is 2.5 years, so realistically you need to be able to pay at least 3 years of her house costs plus an emergency fund. Her annual property taxes really should be paid otherwise property will have hefty interest on the delinquency and will go up for tax sale, plus unpaid taxes will cloud the title from transferring.
Lady Bird Deeds are great but imo you have to have the ability to front all house co$t$ & do whatever to keep the house up till after mom dies and it can finally transfer. I’ve been on this forum quite a while and what seems to happen (whether a Lady Bird Deed, a Trust, Life Estate, etc) when elders keep their home but move into a facility is that someone who promised to do things or pay for things just stops….. family squabbles…. so house gets put up for sale. When it sells, as it still technically belongs to the elder, as they r still alive, so all the $ from Act of Sale is theirs. They go off Medicaid & do a spend down. No gifting.
To make a Lady Bird work, you kinda have to be in this for the long view, whether 5 months or 5 years. You have to have the time and resources for an indeterminate amount of time. Hope it’s totally feasible for you. Good luck!
A Lady Bird Deed is a transfer of property to another with a reservation of a life estate. Meaning a person can transfer property and retain ownership in that property until death, at which point it will then transfer to the other.
I suggest you sit down with a Certified Elder Care attorney who can advise you about Medicaid requirements and 5 year lookbacks, etc. Just b/c your mother deeded her house to you does not necessarily mean it's 'protected' from being considered an asset by Medicaid.
Good luck!