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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?
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.
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.
Remember, this assessment is not a substitute for professional advice.
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If I closed bank accounts or if I took out cash periodically and put under my mattress how does Medicaid know it was for a transfer during the lookBack period for Medicaid penalty?
Warren, you told us you were going to see an eldercare certified attorney. Have you done that?
A NAELA certified attorney who is familiar with Medicaid regs in your state is the person you need to be talking to. You are the 'community spouse" and there are regs to assure that you are not impoverished, but it's not a DYI project.
Don't be penny wise and pound foolish. You'll regret it for the rest of your life.
Warren, it's nice you want to save something for your grand kids.... but there might be a time when you need funds for your own care.
This is what I have noticed with my own relatives, not all grown children or grandchildren want the house. I was glad when my Dad sold the house and used the money for his Independent Living and then Assisted Living cost.
Right now, one of my late Aunts left her house to her 3 grown children. Two want to keep the house, one wants to sell it because she cannot afford to pay 1/3 of the property taxes and house insurance on a house that has been sitting vacant. The other two cannot buy her out. Now the siblings are barely talking to each other :(
Warren, I know that your wife has dementia as you have stated, but what type is it and how far has she progressed? Does she have any medical ailments that she would require a Nursing home, rather than an Assisted Living?
Warren - honey you are overwhelmed. And rightly so. The "annuity" if it was suggested by the atty to do one, I'd do it. But it needs to be a "medicaid compliant" annuity. There isn't a lot of insurance underwriting on this type of product. I'd imagine the atty has a financial planner that they work with and understands about Medicaid compliant annuities.
The annuity will need to make the state as the beneficiary & usually requires a lower & more specific limited commission structure & required reporting.
It is a great single action way to get all the $$ over the amount allowed by Medicaid for a community spouse (usually 118k) to go into the annuity so the ill spouse can be eligible for Medicaid. Normally I hate hate hate annuities but for community spouse situations, they can be a solution. The annuity structure will be determined by actuarial tables, so if your a younger CS, you maybe could outlive the tables & outlive the annuity. Totally a win-win!
warren my experience with medicaid applications for Hospice patients is that the social worker is able to handle the applications. I also feel strongly that everyone pays their own way if that is possible. Why should some be able to hide their money while their bills are paid by other taxpayers. Inheritance is not a right. If there is something left after the parent dies that of course is a benefit. At present medicare only looks back five years but that could be extended anytime. so if you must give your heirs funds during your lifetime but be sure they understand that if you require medicaid during the five years medicaid will expect them to pay if back. Spending down means using your money to pay needed expenses such as medical or household adaptions for the handicapped but no luxury cruises. Ordinary household expenses are allowable
Warren, You might ask your attorney about Filial Responsibility. When all is said and done, will your state's healthcare authority ask your children to "reimburse" the Medicaid paid portion of a nursing facility's fee.
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.
A NAELA certified attorney who is familiar with Medicaid regs in your state is the person you need to be talking to. You are the 'community spouse" and there are regs to assure that you are not impoverished, but it's not a DYI project.
Don't be penny wise and pound foolish. You'll regret it for the rest of your life.
This is what I have noticed with my own relatives, not all grown children or grandchildren want the house. I was glad when my Dad sold the house and used the money for his Independent Living and then Assisted Living cost.
Right now, one of my late Aunts left her house to her 3 grown children. Two want to keep the house, one wants to sell it because she cannot afford to pay 1/3 of the property taxes and house insurance on a house that has been sitting vacant. The other two cannot buy her out. Now the siblings are barely talking to each other :(
The annuity will need to make the state as the beneficiary & usually requires a lower & more specific limited commission structure & required reporting.
It is a great single action way to get all the $$ over the amount allowed by Medicaid for a community spouse (usually 118k) to go into the annuity so the ill spouse can be eligible for Medicaid. Normally I hate hate hate annuities but for community spouse situations, they can be a solution. The annuity structure will be determined by actuarial tables, so if your a younger CS, you maybe could outlive the tables & outlive the annuity. Totally a win-win!
I also feel strongly that everyone pays their own way if that is possible. Why should some be able to hide their money while their bills are paid by other taxpayers. Inheritance is not a right. If there is something left after the parent dies that of course is a benefit. At present medicare only looks back five years but that could be extended anytime. so if you must give your heirs funds during your lifetime but be sure they understand that if you require medicaid during the five years medicaid will expect them to pay if back. Spending down means using your money to pay needed expenses such as medical or household adaptions for the handicapped but no luxury cruises. Ordinary household expenses are allowable
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