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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.
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If my mother goes into a nursing home under Medicaid, will her benefactors have to turn in the life insurance policy monies to them? She has no other assets except a house that is not paid off but she shares with her son.
Also realize that if she goes into aNH & onto Medicaid, that she has a required copay or SOC (share of cost) of basically all her monthly income (like her SS) to the NH. She will have almost no, none, nada of her $$$ anymore to pay a penny on that house that she owns & is allowed to be an exempt asset by Medicaid. All she willl have is a smallish personal needs allowance that ranges from $35-115 a mo. Most are $60 a mo & really maybe just maybe can cover beauty shoppe & some toiletries replacement costs.
Yeah it’s exempt but mom has no $ to pay for property costs.....
Brother will have to pay all property costs whether he legally is part Owner of house or just lives there. The mortgage on the house must be paid to keep it from foreclosure. Taxes & insurance must be paid. If he is not already a % owner with title and assessor records clearly showing this, he cannot acquire “ownership” as it’s gifting as far as Medicaid is concerned AND mortgage holder cannot simply transfer the loan or equity to another.
So can he on his own totally solo afford all property costs for an indeterminate period of time?? And is he likely to be able to qualify and document an exemption or exclusion to estate recovery???
To me those are critical questions that needs to be thought through before you all blithely look to mom/NH/Medicaid as a solution to her care & needs. If Bro cannot afford house, his getting an exemption to Medicaid’s Estate Recovery doesn’t matter. Mortgage co will foreclosure long before MERP happens.
If not, then house imo needs to be sold, mortgage paid off and mom uses whatever proceeds left to private pay for her care. She cannot gift $ either cause if she should run out of $ it will show up for Medicaid’s look back.
An elder can go onto NH Medicaid and keep their home if they desire but it only in my experience works if family can front all property costs on a property that they are ok to run a risk of never owning due to MERP. To me, it works IF property is either low value (under 100/75k) or almost at the edge of Medicaid upper property value limit (550k or 800k) and it has no real debt service, there’s likely exemptions which can be documented.
I am thinking yes as that money is an asset & your mom is still alive. Did you cash the life insurance policies in? If so than yes Medicaid will seek that money for repayment. Hopefully someone will review your question that know more than I on this subject, but i’ve read enough posts & feel the above is correct.
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.
Yeah it’s exempt but mom has no $ to pay for property costs.....
Brother will have to pay all property costs whether he legally is part Owner of house or just lives there. The mortgage on the house must be paid to keep it from foreclosure. Taxes & insurance must be paid. If he is not already a % owner with title and assessor records clearly showing this, he cannot acquire “ownership” as it’s gifting as far as Medicaid is concerned AND mortgage holder cannot simply transfer the loan or equity to another.
So can he on his own totally solo afford all property costs for an indeterminate period of time?? And is he likely to be able to qualify and document an exemption or exclusion to estate recovery???
To me those are critical questions that needs to be thought through before you all blithely look to mom/NH/Medicaid as a solution to her care & needs. If Bro cannot afford house, his getting an exemption to Medicaid’s Estate Recovery doesn’t matter. Mortgage co will foreclosure long before MERP happens.
If not, then house imo needs to be sold, mortgage paid off and mom uses whatever proceeds left to private pay for her care. She cannot gift $ either cause if she should run out of $ it will show up for Medicaid’s look back.
An elder can go onto NH Medicaid and keep their home if they desire but it only in my experience works if family can front all property costs on a property that they are ok to run a risk of never owning due to MERP. To me, it works IF property is either low value (under 100/75k) or almost at the edge of Medicaid upper property value limit (550k or 800k) and it has no real debt service, there’s likely exemptions which can be documented.
The house? If brother provided medically necessary care for mom for a period of two years, the house may be an exempt asset depending on your state.
Hopefully someone will review your question that know more than I on this subject, but i’ve read enough posts & feel the above is correct.