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Is there a reason why you think she should not pay for her own care? Is there a reason why you think I and the rest of the taxpayers in the U.S. should pay for her care?
At her age I think its too late for a trust. She may need LTC within the next 5 yrs. Medicaid will not pay for her care if a trust is set up within the 5 yr look back. Medicaid is for those who have no money.
My father made a salary and my mother saved it. That money was hers, for her care, and I spent just barely shy of $1,000,000 so that she could live comfortably in a fine residential care setting for 5 1/2 years, until she died. I have absolutely no regrets. If you are speaking about your mother’s assets, they are hers, to be spent on her care. If you are speaking about your assets, consult a specialist in financial planning for yourself.
prince043, as far as I know there are no Trusts that will protect assets from Medicaid liens, I assume that is what you are asking. Please correct us if that is not what you had meant.
I was thinking along the same lines as gladimhere, due to the wording of the post. The key words were protection of assets from a nursing home. Thus, "Medicaid" quickly pops into our minds. And Medicaid is taxpayer funded.
A Trust, such as a Revocable Trust is used to avoid Probate, and higher Probate taxes. In my area, it can take as much as two years for a Will to go through Probate depending on the assets involved.
If your Mom has a lot of assets, it would be best for her to use that money to get herself into the best assistant living that she can find. And she can use a Revocable Trust which allows her to go into the Trust for funds that she needs.
When my Mom was in a nursing home, my Dad was paying $12k per month. I know that is a lot of money. Dad went into their Revocable Trust to pay the monthly fee.
Then my Dad went into Assisted Living/Memory Care, which cost half as much as a nursing home. Again, he used the funds from his Trust. He found a very nice place that he really loved. The place was like a hotel.
You could make an appointment for your Mom to see an "Elder Law Attorney" who can explain all the legal paperwork that your Mom should have. Such as Power of Attorney, Will, Medical Directive, etc. And talk to the Attorney about Medicaid, if that is an item you might need later on.
Thanks everyone for your answers, I don't feel its necessary to be mean I was just being inquisitive. I won't be posting here again. I'm truly sorry that you are so bitter about everything in your lives.
I'm sorry you are leaving. This is a wonderful forum with many helpful people. Even the people who have replied unpleasantly to you on this topic have shown themselves to be generous with kind advice in other areas. I do not know why they are so unfriendly to people who are just asking a question. I sent you a private message. If it's not too late!
Please! People! Let's not jump down the throats of people just asking a question. Just simply asking a question. A question you know some of the answers to, gladimhere, and you could have told him those answers.
Many of us know there are protections for spouses and allowable expenses and all that but people come here to ask because they don't know. They aren't people who "know the system". They've probably never applied for any government programs but Social Security.
Please help them. Don't chastise them for asking a question that you only know the answer to because you probably asked it yourself once.
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.
“Protection of assets from a nursing home” is sort of a trigger statement; “is it too late”, another.
Folks here have their own style & shouldn’t be censored either.
But then, OP did throw a zinger about what bitter lives they have when in fact no one who replied appeared bitter.
Oh, the internet. Darned if you do, darned if you don’t.
You have given kind, helpful advice to other people on other topics. This is not a topic where your help is kind or useful.
I have absolutely no regrets.
If you are speaking about your mother’s assets, they are hers, to be spent on her care.
If you are speaking about your assets, consult a specialist in financial planning for yourself.
I was thinking along the same lines as gladimhere, due to the wording of the post. The key words were protection of assets from a nursing home. Thus, "Medicaid" quickly pops into our minds. And Medicaid is taxpayer funded.
A Trust, such as a Revocable Trust is used to avoid Probate, and higher Probate taxes. In my area, it can take as much as two years for a Will to go through Probate depending on the assets involved.
If your Mom has a lot of assets, it would be best for her to use that money to get herself into the best assistant living that she can find. And she can use a Revocable Trust which allows her to go into the Trust for funds that she needs.
When my Mom was in a nursing home, my Dad was paying $12k per month. I know that is a lot of money. Dad went into their Revocable Trust to pay the monthly fee.
Then my Dad went into Assisted Living/Memory Care, which cost half as much as a nursing home. Again, he used the funds from his Trust. He found a very nice place that he really loved. The place was like a hotel.
You could make an appointment for your Mom to see an "Elder Law Attorney" who can explain all the legal paperwork that your Mom should have. Such as Power of Attorney, Will, Medical Directive, etc. And talk to the Attorney about Medicaid, if that is an item you might need later on.
Many of us know there are protections for spouses and allowable expenses and all that but people come here to ask because they don't know. They aren't people who "know the system". They've probably never applied for any government programs but Social Security.
Please help them. Don't chastise them for asking a question that you only know the answer to because you probably asked it yourself once.
https://www.agingcare.com/topics/210/medicaid-lookback
https://www.agingcare.com/topics/105/medicaid-spend-down
https://www.agingcare.com/topics/104/medicaid