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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.
Remember, this assessment is not a substitute for professional advice.
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Paid off or not, your home is an asset. However, if one of you needs Medicaid, they won't make you sell the home if the spouse still lives there. However, they will put a lien against it. I'll qualify this by saying that every state has variances on Medicaid laws, but this is the general way it's done. Take care, Carol
You can spend your $ on your needs, your care and your assets without an issue of Medicaid transfer penalty. Whether or not spending down your assets on a mortgage could be good or a bad idea.
If 1 of you are going into a NH and the other is healthy and wants to continue to live in the house for a long no mortgage is a good idea as the NH spouse monthly income might not be there at all for the still in the community spouse to have to use for the costs on the home. For community spouse situation (where 1 spouse is healthy & planning on staying at the home), where the couple's combined assets are more than the community spouse is allowed in their state, paying off a mortgage is a good single easy item to do and have their assets reduced. If this is your situation, you need to make sure you do this BEFORE you apply for Medicaid. For couple's, Medicaid does a "snapshot" day in which all the couples assets are fixed by. So you need to make sure the $ to pay off the mortgage (or anything else) is done and cleared through your bank accounts before the snapshot day. Also for a couple, you can have 1 car - 1 car not 2 cars - so often the couple will trade in both cars to get a single newer and more dependable car. Whatever you do, don't gift the other car to your kids as that will kick up a transfer penalty gifting issue. Good luck.
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
If 1 of you are going into a NH and the other is healthy and wants to continue to live in the house for a long no mortgage is a good idea as the NH spouse monthly income might not be there at all for the still in the community spouse to have to use for the costs on the home. For community spouse situation (where 1 spouse is healthy & planning on staying at the home), where the couple's combined assets are more than the community spouse is allowed in their state, paying off a mortgage is a good single easy item to do and have their assets reduced. If this is your situation, you need to make sure you do this BEFORE you apply for Medicaid. For couple's, Medicaid does a "snapshot" day in which all the couples assets are fixed by. So you need to make sure the $ to pay off the mortgage (or anything else) is done and cleared through your bank accounts before the snapshot day. Also for a couple, you can have 1 car - 1 car not 2 cars - so often the couple will trade in both cars to get a single newer and more dependable car. Whatever you do, don't gift the other car to your kids as that will kick up a transfer penalty gifting issue. Good luck.