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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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My mother has dementia and in memory care. I have kept the property insured. I live 2 hours away and work full time, time is an issue. Do I spend time with her or worry about her property?
Whose estate? If she is still alive, have you gotten a letter from MERP? Don't worry about her property if her Medicaid benefits have exceeded the market value of the house. Keep track of what money you have spent on upkeep and recover it when the house is sold.
Since your mother has been in memory care (you didn't mention her marital status or if anyone else was residing with her at her home), is her house vacant? If so, I would be concerned about whether that is in keeping with the terms of her insurance policy. Some insurance companies will not pay out claims on vacant property where no one is in residence, if it goes against the terms of the home insurance contract. So you might want to check on that before deciding what to do about the policy and its costly premiums.
Dpat - their home is allowed in most states to remain an exempt asset under Medicaid. Now although that sounds just dandy, the problem arises that all their income must be paid to the NH less a small ($60-115) personal needs allowance. They will have none-nada-zero of $ to pay on anything house from now till death and beyond into probate. Family will need to pay for all costs on the home.
Now since Medicaid is state run, just how your state has property rights & probate done will make a difference in whether & how you can be reinbursed for whatever you or others pay on the home. If your state allows for a lien to be placed on property once medicaid is active, well it's quite different than one that MERP is a claim against the estate. And a state that has all claims in probate as equal different than one which is a Level of Claim state for probate. Your states laws and administration of Medicaid make a critical difference. Before this goes on too long, I'd suggest you meet with an experienced elder law attorney to find out clearly what is likely for your state.
To me, keeping a parents home is like having a 2nd or 3rd home & most of us cannot afford to do this, so the house gets sold, with proceeds from the sale used to private pay for care and do a spend down. In order for you to be reinbursed at the act of sale for your expenses you need some sort of agreement in advance. Otherwise it will be viewed as "gifting" by Medicaid. It can get to be a real Catch22 for family.
Keeping house can work, but you need to clearly go,over the costs on the home and look into your purse & pocket to see if it totally works for you for now and for the long term (through the probate process). I would caution on depending on family to do stuff. Often they are all good for a while, but then you find that they did not pay property taxes...yikes! 1 person needs to take care of all things house and keep meticulous records on every costs with an agreement in place.
MERP is required to do a cost- effectiness on claims. A low value property with claims against the estate by family may not meet the threshold to be cost effective. There was a person on AC who had their moms old 35/40K house with about half of that in expenses and got MERP to settle for 4k to release the claim - house had all sorts of deficiency too so limited in sellable value. Another person on AC is going to ignore MERP for the 10 yr statute of limitations for their state (they pay taxes and the occasional yard mow so minimal costs). If your moms house is worth over 100/150K it is going to be worth MERP going after IMHO. So look at the whole picture before you go into more expenses on moms house.
I would think since the house is still deeded in your mother's name, and Medicaid hadn't taken over ownership, that your mother is still responsible.
Hire someone to keep the lawn in shape, and like Pam said above, keep track of the money you spent on the house. Who has the Power of Attorney? Let that person know what you are doing.
About the vacant house & insurance, harried is right. Most homeowners policy require that they live in the home to be valid. If an insurance co can get out of paying off a claim, they will and this could be quite a problem.... Otherwise you need a vacant dwelling policy ( usually is just a fire policy) done. VDP'S are speciality carrier products and written by independent insurance agents (State Farms, Allstates, etc do not do VDP's). I just got one on my moms house, as it is now an "Estate of" ownership as we're in probate. They are expensive...the base is fire only and based on Sq footage and all I got quotes on are 6 mo policies. You pay additional for all add on's....so contents is an additional rider & cost; if house placed on market so people coming through then that's another rider & $$. roughly 1K for 100K value & I had to provided court documents to get it written.
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.
Some insurance companies will not pay out claims on vacant property where no one is in residence, if it goes against the terms of the home insurance contract. So you might want to check on that before deciding what to do about the policy and its costly premiums.
Now since Medicaid is state run, just how your state has property rights & probate done will make a difference in whether & how you can be reinbursed for whatever you or others pay on the home. If your state allows for a lien to be placed on property once medicaid is active, well it's quite different than one that MERP is a claim against the estate. And a state that has all claims in probate as equal different than one which is a Level of Claim state for probate. Your states laws and administration of Medicaid make a critical difference. Before this goes on too long, I'd suggest you meet with an experienced elder law attorney to find out clearly what is likely for your state.
To me, keeping a parents home is like having a 2nd or 3rd home & most of us cannot afford to do this, so the house gets sold, with proceeds from the sale used to private pay for care and do a spend down. In order for you to be reinbursed at the act of sale for your expenses you need some sort of agreement in advance. Otherwise it will be viewed as "gifting" by Medicaid. It can get to be a real Catch22 for family.
Keeping house can work, but you need to clearly go,over the costs on the home and look into your purse & pocket to see if it totally works for you for now and for the long term (through the probate process). I would caution on depending on family to do stuff. Often they are all good for a while, but then you find that they did not pay property taxes...yikes! 1 person needs to take care of all things house and keep meticulous records on every costs with an agreement in place.
MERP is required to do a cost- effectiness on claims. A low value property with claims against the estate by family may not meet the threshold to be cost effective. There was a person on AC who had their moms old 35/40K house with about half of that in expenses and got MERP to settle for 4k to release the claim - house had all sorts of deficiency too so limited in sellable value. Another person on AC is going to ignore MERP for the 10 yr statute of limitations for their state (they pay taxes and the occasional yard mow so minimal costs). If your moms house is worth over 100/150K it is going to be worth MERP going after IMHO. So look at the whole picture before you go into more expenses on moms house.
Hire someone to keep the lawn in shape, and like Pam said above, keep track of the money you spent on the house. Who has the Power of Attorney? Let that person know what you are doing.