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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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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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You need to call TriCare. As the spouse of a veteran, your mother qualifies for "aide and attendance." There will be some paperwork for you and her physician to complete. I have placed the official website below: benefits.va.gov/pension Make certain to use only the government website as others will try and sell you something. Suzanne
You can spend down her monies to $1500 and apply for Medicaid. If you get Aid and Attendance and is on a waiver program which pays for assisted living, she will only be able to keep $90. Good luck. Marie
Before one ages to a point where we do not know our right hand from our left, or our elbow from our___, I might suggest that we transfer all assets into the name of one of the children or trusted relative. Why "spend down"? Why not consider a Revocable Living Trust? Am I wrong about this? Tell me something I do not know....Financial Planner? Elder-care lawyer? Everyone that I knew who entered a Nursing Home paid out of pocket and did not rely on any government assistance, federal or state.
Yes, there's a 'look back' period for Medicaid, too, and I suspect it may be lengthened as the baby boom ages and the demand increases. Imagine if everyone quickly transferred their wealth to their children just in time to let the taxpayers pay for their nursing care. Medicaid is meant for the truly indigent, not as 'free' long term care insurance. If someone has the funds to pay for their own care, they should. It's sad when someone works hard all their life to accumulate a nest egg to leave to their children and then uses it up paying the nursing home. The question we ought to be asking ourselves as a society is – why has it become so costly to die? That's a topic for another thread!
Consult an elder care attorney. There are ways to get around the spend down and other issues to apply for Medicaid. Don't spend down anything yet...Consult an elder care attorney first. Most consultations are free or even if you have to pay...think of the problems they can help you solve. They will be able to help or they will tell you they can't.
You can also call your local Senior Information & Assistance or Aging & Disability Resources (you can find your local office with the Eldercare Locator at www.eldercare.gov) . The staff there should be able to help you figure out if she qualifies, because each state has different Medicaid programs with different rules regarding eligibility, resource and income limits.
They should also be able to give you information on elder law attorneys in your area that you could consult with. Many people I work with only have their Social Security, so an elder law attorney isn't really necessary for them because qualifying is pretty straightforward. But for people who have many resources (savings, property, annuities, pensions, etc) an elder law attorney might be a good option to help them figure everything out.
Your local Senior Information & Assistance/Aging & Disability Resources should also be able to give you information on the local resources for getting assistance with veteran's benefits, such as Aid & Attendance. A local American Legion, vet center or veteran's clinic should have Veterans Service Officers or social workers who could help you with applying for benefits.
the Reason for the 5 year look back is most people( to their disadvantage do not understand Medicaid). Many become indignant when you address it; "Mom has $300,000, that is not us". at $8,000 a month or more how long does each $100,000 last? So most people will not do proper preplanning, and when a Nursing Home environment is needed; are forced to use all their assets. Even if assets are transferred to Irrevocable Trust (not revocable), the trust is overridden by the 5 year look back.until 5 years passes A house must also be placed in trust to 'protect it' How many families end up helping towards care, parent goes into NH and have to go thru spend down, they think they will get reimbursement out of a house sale, but it is subject to Medicaid Estate recovery Did not do proper Funeral trust planning either. Those who think wartime era Veterans Aid and Attendance will pick up the tab must know the Veteran gets $1,732 a month and surviving spouse gets $1,113 There are planning parameters for that, and preplanning before applying is critical, I meld VA, Medicaid and Medicaid exempt Funeral trust planning, into preparations I do for families in Georgia Asset Preservation to supplement Medicaid Care is a great outcome when that works with some asset cases. If someone is on VA and goes on Medicaid in a NH, the VA allows the Veteran $90.
I have seen many families inquire a bout proper VA planning assistance, and not follow thru, and completely disregard the parallel need for Medicaid Planning, to their dismay sorry a few years later.
There needs to be a more universal and more comprehensive way to fund our long-term care expenses when we become elderly, frail, afflicted with dementia and unable to take care of ourselves. As it is now, there is no limit to what a person can spend on himself during his "golden years" -- gambling, entertainment, expensive vacations, an RV, etc. and when he runs out of money he can go onto government assistance Medicaid. Someone else might live frugally, buy long-term care insurance, forego the expensive lifestyle, and be able to pay for his own care at least for a while. Unfortunately, there is not a lot of disincentive for people to live large and spend their money on their own pleasures -- except that a Medicaid nursing home is less likely to be a person's first choice of where to live. You lose an element of choice when you are not a private-pay. Since ours is a consumer-driven economy, people are bombarded with advertising encouraging them to spend. Truly, there should be an education campaign to urge people to manage their resources with an assumption that they WILL have long-term care expense at the end of life. And it is NOT cheap. I'd like to see Medicare expanded to include coverage of long-term care, at least partially, because no middle-class or lower-class person can possibly afford the high cost of such care on his own.
Apply for Aid and Attendance, Medicaid too. You have to spend down to $1500 in Ohio. You are allowed $2400 a month income to be on Medicaid Waiver which pays for assisted living. Pre-pay for a funeral. Talk to a good estate planning attorney. Good luck.
Why can't the democrats and the republicans get together and figure out what to do? This is a problem for everyone but the very richest and the very poorest. The only way to avoid this problem is to die young.
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.
benefits.va.gov/pension
Make certain to use only the government website as others will try and sell you something.
Suzanne
Marie
Everyone that I knew who entered a Nursing Home paid out of pocket and did not rely on any government assistance, federal or state.
It's sad when someone works hard all their life to accumulate a nest egg to leave to their children and then uses it up paying the nursing home. The question we ought to be asking ourselves as a society is – why has it become so costly to die?
That's a topic for another thread!
They should also be able to give you information on elder law attorneys in your area that you could consult with. Many people I work with only have their Social Security, so an elder law attorney isn't really necessary for them because qualifying is pretty straightforward. But for people who have many resources (savings, property, annuities, pensions, etc) an elder law attorney might be a good option to help them figure everything out.
Your local Senior Information & Assistance/Aging & Disability Resources should also be able to give you information on the local resources for getting assistance with veteran's benefits, such as Aid & Attendance. A local American Legion, vet center or veteran's clinic should have Veterans Service Officers or social workers who could help you with applying for benefits.
Hope that helps!
Many become indignant when you address it; "Mom has $300,000, that is not us".
at $8,000 a month or more how long does each $100,000 last?
So most people will not do proper preplanning, and when a Nursing Home environment is needed; are forced to use all their assets.
Even if assets are transferred to Irrevocable Trust (not revocable), the trust is overridden by the 5 year look back.until 5 years passes
A house must also be placed in trust to 'protect it'
How many families end up helping towards care, parent goes into NH and have to go thru spend down, they think they will get reimbursement out of a house sale, but it is subject to Medicaid Estate recovery
Did not do proper Funeral trust planning either.
Those who think wartime era Veterans Aid and Attendance will pick up the tab must know the Veteran gets $1,732 a month and surviving spouse gets $1,113
There are planning parameters for that, and preplanning before applying is critical,
I meld VA, Medicaid and Medicaid exempt Funeral trust planning, into preparations I do for families in Georgia Asset Preservation to supplement Medicaid Care is a great outcome when that works with some asset cases.
If someone is on VA and goes on Medicaid in a NH, the VA allows the Veteran $90.
I have seen many families inquire a bout proper VA planning assistance, and not follow thru, and completely disregard the parallel need for Medicaid Planning,
to their dismay sorry a few years later.