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Who are you caring for?
Which best describes their mobility?
How well are they maintaining their hygiene?
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?
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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.
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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The estate is responsible for paying the bills. Creditors file claims against an estate during the probate period. If there is not enough money, the creditors have to take the loss. Some may go after the heirs and insist they owe the money, but it is not so. There is only one case where heirs can be responsible. Nursing homes can try to recover money from heirs in filial responsibility states. It is the only creditor I know that can collect from the heirs. Usually one heir is targeted, probably because they seem to be the one most likely to pay.
Most states don't go after heirs for the nursing home money but if they have the filial responsibility law on the books they can. If someone has a lot of money, they are more likely to go after it.
Other than that, as JessieBelle said, the estate pays the bills. Copies of death certificates are needed if the bill can't be paid off and even to close the account, so get a lot of those.
Don't forget, credit cards are unsecured. The credit card company is giving you that credit based on your credit information. If you are deceased, your credit worthiness becomes $0. Most credit card companies will write it off, since it is a tax benefit to them, however, if it is a huge amount, they may file on the estate unless there is a trust. Trusts do not go through probate.
The estate, unless of course you signed ANYTHING as responsible party or co-signed on admit to NH or a loan. Also check the filial responsibility laws in your state online.
Under the federal Medicaid statute, the state can only recover for past outlays on behalf of the decedent out of the decedent's "estate." 42 U.S.C. 1396p(b)(4)(A).
All states must seek recovery at least from the “probate estate” of the Medicaid recipient, as defined by the relevant state law. In addition, a state may expand its definition of “estate” to include virtually any asset in which the deceased nursing home resident had any legal interest the moment before death. Thus, it appears that a state cannot recover against children under filial responsibility laws.
I have to add that when my father died I paid his credit card bill immediately when the account was closed. I paid it out of my parents' money in my mother's account. My father's account had to go through probate, so was not available for six months. This was a very simple way to handle it since there was a surviving spouse and money available.
When my dad died I called his creditors and most asked for a copy of the death certificate. It took a few months to get straightened out but eventually I got it taken care of.
My Husband was the executor of his father's estate. It was a mess. Dad had reluctantly met once with an attorney and had done the bare minimum to set things up--but it was enough to get hubby on as executor. Actually, I did a TON of the work...cleaning out his paperwork, paying bills (hubby, of course, signed checks). We paid off everything...CC's, dental bill for new dentures that he obviously wasn't going to need..drs and final hospital bill. Even dry cleaning. We were told later that we were not responsible for the dentist or the CC's. but that seemed wrong, Dad in fact had used those services and they deserved to be paid. This experience was what got my MIL (dad and my MIL were divorced 15 years before he died) to FINALLY set up a trust. She was of the mindset that when she died, all 3 kids would just congenially split up her things, 3 ways. When I finally told her that TOTAL STRANGERS were going to go through her underwear drawers...she panicked and began to listen to us.
I am grateful for all the comments...we have a trust set up and even our house is in the trust...the only things not in the trust are household goods, my car and a few thousand in a checking account in my name that I use for day to day bills.........I have other accounts that are in the trust. Was all set up by a lawyer in 2008 and 2009 when the missus was applying for medicaid when it became obvious that she would be in the nursing home for life due to a stroke and it was also obvious that we were on a collision course of going broke......
There won't be much to probate should she pass away before me..
I also learned in 08 that all lawyers who say they are elder care specialists are not equally qualified..a couple I consulted were woefully not up to date. We chose a man who is on the board of directors of our state bar assn. and is also chairman of the elder care section of the state board..He is one in a million..
I think it depends on the debt. As it was mentioned, credit card debt is unsecured and unless it is an incredible amount of debt I think you can just send a copy of the death certificate. The best thing would be to contact an attorney specializing in that area
I am the owner of a life insurance policy taken out by my single, never married brother who is seriously ill, in a nursing facility which is being paid for by Medicaid. Are the funds from this policy 'reachable' by Medicaid or the NHF?
I'm confused about the terminology re the life insurance policy, taken out by her brother, but she "owns". So you mean your brother applied for life ins, and got a policy, but you've been paying the premiums? Or do you mean you're the sole beneficiary? How do you "own" someone else's life insurance? I'm not very knowledgable on life ins (obviously) but my folks have some small life ins, which I knew nothing about until recently. It would be nice to know, if Medicaid could MERP those policies.
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.
Other than that, as JessieBelle said, the estate pays the bills. Copies of death certificates are needed if the bill can't be paid off and even to close the account, so get a lot of those.
Take care,
Carol
Also check the filial responsibility laws in your state online.
All states must seek recovery at least from the “probate estate” of the Medicaid recipient, as defined by the relevant state law. In addition, a state may expand its definition of “estate” to include virtually any asset in which the deceased nursing home resident had any legal interest the moment before death. Thus, it appears that a state cannot recover against children under filial responsibility laws.
There won't be much to probate should she pass away before me..
I also learned in 08 that all lawyers who say they are elder care specialists are not equally qualified..a couple I consulted were woefully not up to date. We chose a man who is on the board of directors of our state bar assn. and is also chairman of the elder care section of the state board..He is one in a million..