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Who are you caring for?
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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I take it she is planning on moving into a care center of some kind. If she doesn't sell the house, what will happen to it? Who will pay the taxes, insurance, maintain the property, rake, shovel, etc.?
Do you have an approximate idea of the value of the house? If she sold it, after all the costs of selling are deducted, how long would that money last in the care center? For example, if she clears $120,000 on the sale and the center costs $6,000 a month, it would pay for 20 months. Of course, her monthly income would make a difference, too. If she has $1,000 available each month to pay toward the care center, then the house money would last a full 2 years.
What will happen when the money runs out? If the house money would last 2 years and she lives 7 years, then what?
For many people the answer is to apply for Medicaid. Medicaid does not require the house to be sold, but she would have no money available to maintain it. Also the state would have a right to the proceeds to repay their expenses after her death.
I think if you provide a few more details about your Mom's situation, you will get more specific responses.
…and pay for the emergency tree service($$) when the ancient pecan tree at your parents homestead comes down across the neighbors yard.
Jeanne has given spot-on suggestions.
The NH is not at all interested in placing a lien on her home. NH is just not in the real estate business. But what they want & fully expect is to to be paid for their services. For about 70% of the elderly who need a NH, they apply for Medicaid. Really even with mid-6 figures in assets - at 5K - 15K a month for NH care - their $$ will run out. If they live long enough, unless they are generationally wealthy, they will just flat run out of $$ and apply for Medicaid.
Medicaid in most states allows for the homeowner to have the homestead property as an exempt asset. As Jeanne said, there will be no money to maintain it. Under Medicaid rules, they must do a co-pay or their "SOC" (share of cost) of all their monthly income to the NH. They are allowed to keep a small ($ 35 - 90 a mo) personal needs allowance. But it is only enough to pay for beauty shop, some clothing replacement, phone or cable costs. There will be none - nada - zilch to pay for anything on the exempt home for the rest of the elders lifetime. If family can afford and has the sense of humor to essentially have & maintain the home for whatever the rest of the parents life AND there is something about the situation that will meet the requirements for a MERP exemption, then keeping the home can make sense. But most families decide to sell the parents home.
If you do this, really imho, you need to do it asap so that you have the proceeds from the sale to private pay for the NH from the outset (allows you to perhaps get into a better facility that will take future Medicaid residents based on 1 - 2 years of living there); also enables you to buy a NCV funeral & burial policy; pay for services that will not be covered by Medicaid (like dental care, eyeglasses, better hearing aids). Whatever you do, if you sell the house, all the proceeds from the house sale must be used for their care & their needs. The sale will be recorded by the local tax assessor & then dovetailed into the state records. So Medicaid will find out to the penny the funds paid on the home. If you need to pay for things on the property to make it sellable, you really need to have some sort of document on the costs which you enter into the Realtor / act of sale agreement so that you can be reimbursed from the proceeds. Otherwise the state will look at it as a gifting transfer and can do a transfer penalty on the amount before Medicaid will pay. It all is a lot to consider, so take your time and do things that work best for all in the long run. Good luck.
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.
Do you have an approximate idea of the value of the house? If she sold it, after all the costs of selling are deducted, how long would that money last in the care center? For example, if she clears $120,000 on the sale and the center costs $6,000 a month, it would pay for 20 months. Of course, her monthly income would make a difference, too. If she has $1,000 available each month to pay toward the care center, then the house money would last a full 2 years.
What will happen when the money runs out? If the house money would last 2 years and she lives 7 years, then what?
For many people the answer is to apply for Medicaid. Medicaid does not require the house to be sold, but she would have no money available to maintain it. Also the state would have a right to the proceeds to repay their expenses after her death.
I think if you provide a few more details about your Mom's situation, you will get more specific responses.
Jeanne has given spot-on suggestions.
The NH is not at all interested in placing a lien on her home. NH is just not in the real estate business. But what they want & fully expect is to to be paid for their services. For about 70% of the elderly who need a NH, they apply for Medicaid. Really even with mid-6 figures in assets - at 5K - 15K a month for NH care - their $$ will run out. If they live long enough, unless they are generationally wealthy, they will just flat run out of $$ and apply for Medicaid.
Medicaid in most states allows for the homeowner to have the homestead property as an exempt asset. As Jeanne said, there will be no money to maintain it. Under Medicaid rules, they must do a co-pay or their "SOC" (share of cost) of all their monthly income to the NH. They are allowed to keep a small ($ 35 - 90 a mo) personal needs allowance. But it is only enough to pay for beauty shop, some clothing replacement, phone or cable costs. There will be none - nada - zilch to pay for anything on the exempt home for the rest of the elders lifetime. If family can afford and has the sense of humor to essentially have & maintain the home for whatever the rest of the parents life AND there is something about the situation that will meet the requirements for a MERP exemption, then keeping the home can make sense. But most families decide to sell the parents home.
If you do this, really imho, you need to do it asap so that you have the proceeds from the sale to private pay for the NH from the outset (allows you to perhaps get into a better facility that will take future Medicaid residents based on 1 - 2 years of living there); also enables you to buy a NCV funeral & burial policy; pay for services that will not be covered by Medicaid (like dental care, eyeglasses, better hearing aids). Whatever you do, if you sell the house, all the proceeds from the house sale must be used for their care & their needs. The sale will be recorded by the local tax assessor & then dovetailed into the state records. So Medicaid will find out to the penny the funds paid on the home. If you need to pay for things on the property to make it sellable, you really need to have some sort of document on the costs which you enter into the Realtor / act of sale agreement so that you can be reimbursed from the proceeds. Otherwise the state will look at it as a gifting transfer and can do a transfer penalty on the amount before Medicaid will pay. It all is a lot to consider, so take your time and do things that work best for all in the long run. Good luck.