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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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I have a joint account with my mother. most of the money was deposited by my mother.Mom may have to go to a nursing home soon. What is the best way to pay down the money in her bank account which is also in my name?
Nandina - couple of ?'s.... Are you anticipating that mom will be applying for Medicaid? And if so, how soon at her present rate of spending on her home, her care, her needs or paying for a NH, will mom be at the "at need" & impoverishment level needed for Medicaid eligibility? 6 years from now or 6 months?! And regarding the $, is moms share 51% or more like 99%?
The answers are going to make a difference IMHO as to how to approach this.
If Medicaid is anticipated, please please read up on how the program works and what will be required to be submitted for your mom to be eligible. Providing 5 years of financials in an shared bank account where things may have been & are still commingled could be a huge problem. If the $ is 99% mom and 100% used for mom direct needs, care or her property, then few problems. But if some of that $ is your own income or asset and you want to get it out before the Medicaid application, &/or you have spent some of the $ in moms account on your own debt as part of it was your $, then you will need an attorney to work through moms medicaid application as the $ is going to look like gifting which means transfer penalty by Medicaid.
Really whatever has her name on it is viewed by medicaid as 100% mom's and must be totally used for her care, her needs, her property only.
If your $ is still going into the account, you really need to stop doing that as its throwing off her true financial status as well. Only moms income and assets should be in her bank accounts. If you find that mom has run out of $ at the end of the month, don't put your own $ into her bank account but instead you just pay directly for whatever (groceries,utilities, rent, property taxes, etc ). If you need to be reinbursed, she can write you a direct match up check to you clearly indicating the store & receipt info - you must be OCD in keeping all the paperwork (like target #123455 03/09/16 pj's) as Medicaid could require all the details on why mom wrote checks to you and why they should not be a transfer penalty.
Now you as a signature on the account can write & sign to pay for whatever for mom's care, needs, property on her behalf on her checking account. You do need to always write checks for a business name whenever possible to lessen medicaid issues. So Joe Garcia Plumbing Co. instead of just Joe Garcia.
If moms account is not done POD -pay on death - to you, try to get that done as it will allow you to continue to use the funds after death for whatever costs come up for funeral floral, or other post death incidentals. Mom will need to go to the bank to do this, you cannot do it with just your dpoa, & exoect that mom will be asked apart from you by a ank officer as to whether shevwants to do this. Ask the bank if the account, once its POD, can become your executor account once mom dies & you will be doing probate. I did this with my moms checking account and it has made probate & estate / executor costs tracking super easy.
Pay off all bills. Purchase a preburial plan. Buy new eye glasses. Document every transaction and keep all receipts. Do not write checks to yourself or for cash unless you can document what the money was used for. You can also use the money for caregiver services from outside agencies. The past five years of financial transactions and documentation is vital for qualifying for medicaid in a nursing home. You do not want to show any amount of what could be considered gifting. Do not co-mingle your finances with your mothers in that joint account. As a joint owner, you are allowed to write checks, but I would make sure it is for only the benefit of your mother and do not deposit any of your money into this account.
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.
Are you anticipating that mom will be applying for Medicaid?
And if so, how soon at her present rate of spending on her home, her care, her needs or paying for a NH, will mom be at the "at need" & impoverishment level needed for Medicaid eligibility? 6 years from now or 6 months?!
And regarding the $, is moms share 51% or more like 99%?
The answers are going to make a difference IMHO as to how to approach this.
If Medicaid is anticipated, please please read up on how the program works and what will be required to be submitted for your mom to be eligible. Providing 5 years of financials in an shared bank account where things may have been & are still commingled could be a huge problem. If the $ is 99% mom and 100% used for mom direct needs, care or her property, then few problems. But if some of that $ is your own income or asset and you want to get it out before the Medicaid application, &/or you have spent some of the $ in moms account on your own debt as part of it was your $, then you will need an attorney to work through moms medicaid application as the $ is going to look like gifting which means transfer penalty by Medicaid.
Really whatever has her name on it is viewed by medicaid as 100% mom's and must be totally used for her care, her needs, her property only.
If your $ is still going into the account, you really need to stop doing that as its throwing off her true financial status as well. Only moms income and assets should be in her bank accounts. If you find that mom has run out of $ at the end of the month, don't put your own $ into her bank account but instead you just pay directly for whatever (groceries,utilities, rent, property taxes, etc ). If you need to be reinbursed, she can write you a direct match up check to you clearly indicating the store & receipt info - you must be OCD in keeping all the paperwork (like target #123455 03/09/16 pj's) as Medicaid could require all the details on why mom wrote checks to you and why they should not be a transfer penalty.
Now you as a signature on the account can write & sign to pay for whatever for mom's care, needs, property on her behalf on her checking account. You do need to always write checks for a business name whenever possible to lessen medicaid issues. So Joe Garcia Plumbing Co. instead of just Joe Garcia.
If moms account is not done POD -pay on death - to you, try to get that done as it will allow you to continue to use the funds after death for whatever costs come up for funeral floral, or other post death incidentals. Mom will need to go to the bank to do this, you cannot do it with just your dpoa, & exoect that mom will be asked apart from you by a ank officer as to whether shevwants to do this. Ask the bank if the account, once its POD, can become your executor account once mom dies & you will be doing probate. I did this with my moms checking account and it has made probate & estate / executor costs tracking super easy.