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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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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.
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Well, she's on Medicaid, so all of her income goes to her care, right? You are not responsible for her debt unless you are on it, too, or if you used it to buy things for yourself and they'd have to prove that. Just tell them she's on Medicaid. She's judgment proof because she's broke and the credit cards or any other debt is not your problem.
Sadly, I think you need to notify the creditors of your mother's status and then ignore them. They are not your responsibility. (Don't give them your mother's NH address.)
I've been in this situation myself. Mom's bills are not yours unless you are a co-signer on the credit card (in other words, it has to be a joint account). If that's the case, then yes, you'll have to pay them, but I'm sure some arrangement could be worked out with the company that won't break you financially, and then you can close the account to avoid problems in the future.
If you are not a co-signer on a joint account, you are not responsible for anything more than letting the company know that Mom has entered a nursing home facility on Medicaid and there is no money to pay the bill. They will most likely write it off. Occasionally, you may run into an unscrupulous company that will attempt to convince you to pay the bill yourself - but again, if it's not your bill, you are not responsible. Stick to your guns and keep repeating the same thing to them - not your bill, not your responsibility, Mom has no money and is on Medicaid in a nursing home. Even if they send it to collections, you have to keep in mind that your Mom will have no further use for her credit - so a negative mark on her credit will not hurt her.
From what I know, those receiving LTC payments by Medicaid, only get a small allowance each month. Usually less than $70.00. That has to cover all of the recipients's expenses, so there's no much to pay back to credit card companies. I'd consult with a credit counselor to see your options. Are you the POA? I'm not sure what those creditors could really do, even if they sued for the debt. Is she judgment proof? That's likely, if she qualified for Medicaid.
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.
If you are not a co-signer on a joint account, you are not responsible for anything more than letting the company know that Mom has entered a nursing home facility on Medicaid and there is no money to pay the bill. They will most likely write it off. Occasionally, you may run into an unscrupulous company that will attempt to convince you to pay the bill yourself - but again, if it's not your bill, you are not responsible. Stick to your guns and keep repeating the same thing to them - not your bill, not your responsibility, Mom has no money and is on Medicaid in a nursing home. Even if they send it to collections, you have to keep in mind that your Mom will have no further use for her credit - so a negative mark on her credit will not hurt her.