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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?
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.
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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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No one is forced to go on Medicaid - a person must qualify for lack of funds needed to maintain health care. So, as the others have said, we are missing some information or we don't understand your question. We'll try to answer better if you'd like to add more. Take care, Carol
Question is well meaning, and answers are too..However, without more context and details, no one can provide a definitive answer... Only saying Grace & Peace,
Medicaid to to kick in when there are no more resources which would mean the person would have already 'spent down' everything. You are not required to apply for Medicaid if you do not need the resources. If you do apply for Medicaid then yes, they will 'look back' over the previous years spending to see if any resources could have been used to care for the person but instead were gifted to relatives, etc. To me this is only fair. Medicaid is paid for by the taxpayers, it is not an 'entitlement' program in the same way that Medicare is where you will have paid into the system through payroll taxes.
Interstellar, you asked this question three days ago, and ppl have gone out of their way, as is usual on this board, to provide helpful and very detailed answers. Have you read them? Could you provide a further explanation as to whether you mean medicare or medicaid? Please try not to leave us wondering.
Yes, not sure either. As far as I know, Medicaid as a suppliment to Medicare has nothing to do with Medicaid that pays for long term nursing. Unless u can pay out of pocket the 20 percent that Medicare doesn't pay and your prescriptions. If u can afford a suppliment than u can't get Medicaid. My nephew, 25, is disabled by birth. He receives SS disability. He receives Medicare and Medicaid. He is also allowed to earn a certain amount. I don't see how opting out would have anything to do with a spend down. Are u sure you don't mean Medicare. This you shouldn't opt out of. You may be penalized later on when u do need it.
You can OPT out and not apply for or receive Medicaid Benefits. You can still keep Extra Help as these are two different programs. Don't do the spend down if you are not ready or interested. Meet with your local Area Aging Agency or Senior Center and find out how to maintain your independence and make your money last as long as possible while still staying safe in your own residence. For people who rent and are moderately low income, moving to a Subsidized apartment can lower your outgoing expenses enough to free up more money to pay a caregiver or cleaning and laundry and grocery shopping help. The money you pay a caregiver is exempt from calculation in your rent amount Example Income 2,000$ a month Medical insurance and caregiver costs per month 900.00$ Income used to calculate rent is 1100.00$ It may help your money to last longer. Good Luck Good luck.
First of all, let me warn you that if you have an unexpected medical emergency, there are definitely going to be unexpected medical expenses. If you're eligible for Medicaid, you definitely don't want to turn it down for this reason because unexpected medical expenses can be very high and drain your extra money very quickly. Additionally, private insurance can run pretty expensive per month. I checked into getting extra insurance beyond Medicaid, and I was told that policies start well over $100 per month. The only reason why I started looking for other coverage before I found out about my inheritance money is because I was having an awful time getting some things covered that were medically necessary. Some of the medications ordered for me were actually substituted for offbrands, meaning they were under another name. This is why I started looking for additional coverage. One thing that was mentioned to me by one insurance company if you get any other coverage and Medicaid finds out about it, you could lose your Medicaid. If you're on medical assistance along with other public programs, you really can't afford to buy expensive healthcare policies because your federal benefit money is very limited to a very small amount. This is why people are often very grateful for extra money, and that money so definitely be protected in some way or another.
What you can do is speak to your bank manager if you have extra money that you need to protect. You can see what your bank has offer, and if they don't have anything suitable for you, you can always check other banks.
Have you ever considered putting the money into a trust or annuity? They only downfall of having a trustee is the risk that they could easily steal from you. I recently learned this from a lawyer when I was investigating the possibility of putting my inheritance money into a trust. After hearing at least one nightmare story, I'm now rethinking the trust idea and I am considering an annuity. Yes, you can use some of the money to pay off what absolutely needs paid most, which is what I'm doing when my money comes. Another thing you can consider doing with your money is getting a car if you don't already have one and you need one. If you already have a car, you may want to consider whether or not keeping it is actually worth it since older cars would require you to pour money into them to restore them. Sometimes getting a new one is actually much better since you know that you won't be pouring money into it and depleting your savings.
There's another thing you can do with your body is to put it into a CD, which is the safest possible investment. Of course there may also be special high interest-bearing accounts that can help you to grow your savings.
Joy sissy not sure why you would be checked for income differences unless on Medicaid for the Blue Cross/Blue shield. If so, then you need to talk to your Medicaid office. If they now turn you down because of the Va money then all you will have to get is a supplimetal, it won't effect your Medicare.
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.
Take care,
Carol
Only saying
Grace & Peace,
Bob
To me this is only fair. Medicaid is paid for by the taxpayers, it is not an 'entitlement' program in the same way that Medicare is where you will have paid into the system through payroll taxes.
For people who rent and are moderately low income, moving to a Subsidized apartment can lower your outgoing expenses enough to free up more money to pay a caregiver or cleaning and laundry and grocery shopping help.
The money you pay a caregiver is exempt from calculation in your rent amount
Example
Income 2,000$ a month
Medical insurance and caregiver costs per month 900.00$
Income used to calculate rent is 1100.00$
It may help your money to last longer.
Good Luck
Good luck.
First of all, let me warn you that if you have an unexpected medical emergency, there are definitely going to be unexpected medical expenses. If you're eligible for Medicaid, you definitely don't want to turn it down for this reason because unexpected medical expenses can be very high and drain your extra money very quickly. Additionally, private insurance can run pretty expensive per month. I checked into getting extra insurance beyond Medicaid, and I was told that policies start well over $100 per month. The only reason why I started looking for other coverage before I found out about my inheritance money is because I was having an awful time getting some things covered that were medically necessary. Some of the medications ordered for me were actually substituted for offbrands, meaning they were under another name. This is why I started looking for additional coverage. One thing that was mentioned to me by one insurance company if you get any other coverage and Medicaid finds out about it, you could lose your Medicaid. If you're on medical assistance along with other public programs, you really can't afford to buy expensive healthcare policies because your federal benefit money is very limited to a very small amount. This is why people are often very grateful for extra money, and that money so definitely be protected in some way or another.
What you can do is speak to your bank manager if you have extra money that you need to protect. You can see what your bank has offer, and if they don't have anything suitable for you, you can always check other banks.
Have you ever considered putting the money into a trust or annuity? They only downfall of having a trustee is the risk that they could easily steal from you. I recently learned this from a lawyer when I was investigating the possibility of putting my inheritance money into a trust. After hearing at least one nightmare story, I'm now rethinking the trust idea and I am considering an annuity. Yes, you can use some of the money to pay off what absolutely needs paid most, which is what I'm doing when my money comes. Another thing you can consider doing with your money is getting a car if you don't already have one and you need one. If you already have a car, you may want to consider whether or not keeping it is actually worth it since older cars would require you to pour money into them to restore them. Sometimes getting a new one is actually much better since you know that you won't be pouring money into it and depleting your savings.
There's another thing you can do with your body is to put it into a CD, which is the safest possible investment. Of course there may also be special high interest-bearing accounts that can help you to grow your savings.
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