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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.
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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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My partner and I (we're not married) have a joint bank account. My partner is employed and makes all deposits to the account. I have no income of my own. Does having this joint account make me ineligible for Medicaid benefits?
Thanks for the reply, Amy. I am treating this as wanting to protect your position with Medicaid if the relationship broke up, in which case the best option for you is to close the existing account and open two new accounts, one in each name. I would suggest that you get a regular payment organised from your partner’s account to yours, so that it isn’t a fresh decision every pay day. If there is any major expense that can’t be met from the regular amount, then your partner can make a special transfer. Then your assets will be what you really own yourself – ie next to nothing. At 64 this is not a great place to be, and you have my sympathies.
I doubt if just changing the names on the account would work without being challenged. If you and your partner want a different way to do your banking, close that account and open two new accounts, one in each name. Your partner banks his pay in his account, and then transfers a regular amount into your account so that you can have your own check book, credit card etc, linked only to your account. It also might possibly work if only partner opens a new account in his name, but you have a credit card linked to it.
The underlying issue is about what you are trying to achieve. Eligibility for Medicaid for you, while partner keeps all the money? And would this be to get as much as possible from the government (not exactly noble), or would it be to protect you if your relationship broke up and you desperately needed Medicaid? Alternatively, are you looking to keep your assets joint, for your own future financial needs? If you are concerned about your own financial future, it would probably be a good idea to look at that before deciding banking details.
Thanks for your answer. What I'm trying to achieve is health insurance. My partner's employer does not provide insurance for the unmarried partners of their employees, so as of now I have absolutely no insurance and no income of my own. My partner's money is not mine, and if something were to happen to him, I'd be left without any coverage or income. I have consulted a Medicare expert, who suggested I see if I'm eligible for Medicaid as well, because the application process and benefits are different, and I need to know what I'm doing before I apply for Medicare and choose a provider.
Thank you for that straightforward answer! And what if I were to remove my name from the account? Would my eligibility for Medicaid benefits be subject to a look-back period in that case, since I'm not giving anything to anybody?
It depends on what type of Medicaid you are talking about, if the type that pays for long term care after you have qualified for Medicare then yes it would be looked at as an asset of yours because you have access to those funds, I don't think they care how the money get's in there but they would probably look at it as a joint asset so not all applied to your assets (I think). However if you are talking about Medicaid health Care coverage, depending on the state probably they mainly look at your income for that I think.
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.
The underlying issue is about what you are trying to achieve. Eligibility for Medicaid for you, while partner keeps all the money? And would this be to get as much as possible from the government (not exactly noble), or would it be to protect you if your relationship broke up and you desperately needed Medicaid? Alternatively, are you looking to keep your assets joint, for your own future financial needs? If you are concerned about your own financial future, it would probably be a good idea to look at that before deciding banking details.
I have consulted a Medicare expert, who suggested I see if I'm eligible for Medicaid as well, because the application process and benefits are different, and I need to know what I'm doing before I apply for Medicare and choose a provider.
And what if I were to remove my name from the account? Would my eligibility for Medicaid benefits be subject to a look-back period in that case, since I'm not giving anything to anybody?