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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.
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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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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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Medicaid shouldn't seek recovery in this case. With a surviving spouse, there is no recovery. Now not paying your mortgage is another thing entirely, why did you stop? Yes, the bank can foreclose on the house since you are not paying the mortgage.
Medicaid doesn't "take" a house. They can file a lien that has to be paid after your husband passes away. However, the Bank can begin a process of foreclosure, eventually evict you for non-payment, and sell the house to satisfy the debt. You need to find an attorney familiar with Medicaid to see what your options are - FAST.
BHarty, did you not file for a waiver from Medicaid of all hubs income (like his SS, retirement) to cover your costs to live in the community? It’s called CSRA, community spouse resource allowance. Are you getting CSRA?
If he’s on Medicaid in a facility there should be no out of pocket for his care.
Foreclosure will have tax issues for both of you that will HAVE to Be dealt with for 2018 so his Medicaid stays eligible. Foreclosure causes 1099-c issued for whatever mortgage holder wrote off.
Bharty, contact the bank TODAY: start with your local branch and ask them to elevate the issue to the home lending section. Ask for a meeting ASAP; take an itemized list of your expenditures, and raise the issue of a mortgage restructuring (also sometimes called a "workout") to extend the loan so that you can make lower payments over a longer period of time.
It's been years since I've worked on residential loan foreclosures, but if I remember correctly, there's a specific time by which payments need to be made or foreclosure can be instituted. I don't recall how many days, but I don't think it's more than 3 months.
You should receive a default notice, with a time by which payments must be reinstituted and arrearages paid, or alternate payment arrangements must be made. Depending on the loan documents and terms, and depending on your state's statutory requirements, you could lose the house in a matter of months.
So your mortgage may already be in default. Have you received any notices of potential foreclosure? If you don't make arrangements, you WILL lose the house, as GSA cautions.
Then, where will you go? Where will you live?
There are other options besides foreclosure. You could give the lender a Deed in Lieu of Foreclosure, which avoids foreclosure but extinguishes your rights in the home, so you'll still be facing the question of where to live and how to pay for those living quarters.
BTW, are you and your husband on Medicare as well? Some of the medical costs you describe would be paid for by Medicare and shouldn't be out of pocket. Or they might be paid by Medicaid.
It would be wise to contact your Medicaid rep and address the issue of the now extended medical costs that won't need to be out of pocket.
I stopped paying the mortgage because, there was the mortgage, vehicle payments, health ins, car ins, doctor bills for him and me, perscriptions ct scans ultra sounds, incontinence supplies for him and very little left for food. that is why he was put on Medicaid.
I know you must feel overwhelmed but the one thing my Mom alsways taught me was to pay the mortgage before anything else. I am not a lawyer but if you could even send them something it might stave off a foreclosure while you meet with a Medicaid expert who can give you better advise and get your finances squared away.
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.
However, the Bank can begin a process of foreclosure, eventually evict you for non-payment, and sell the house to satisfy the debt. You need to find an attorney familiar with Medicaid to see what your options are - FAST.
If he’s on Medicaid in a facility there should be no out of pocket for his care.
Foreclosure will have tax issues for both of you that will HAVE to Be dealt with
for 2018 so his Medicaid stays eligible. Foreclosure causes 1099-c issued for whatever mortgage holder wrote off.
It's been years since I've worked on residential loan foreclosures, but if I remember correctly, there's a specific time by which payments need to be made or foreclosure can be instituted. I don't recall how many days, but I don't think it's more than 3 months.
You should receive a default notice, with a time by which payments must be reinstituted and arrearages paid, or alternate payment arrangements must be made. Depending on the loan documents and terms, and depending on your state's statutory requirements, you could lose the house in a matter of months.
So your mortgage may already be in default. Have you received any notices of potential foreclosure? If you don't make arrangements, you WILL lose the house, as GSA cautions.
Then, where will you go? Where will you live?
There are other options besides foreclosure. You could give the lender a Deed in Lieu of Foreclosure, which avoids foreclosure but extinguishes your rights in the home, so you'll still be facing the question of where to live and how to pay for those living quarters.
BTW, are you and your husband on Medicare as well? Some of the medical costs you describe would be paid for by Medicare and shouldn't be out of pocket. Or they might be paid by Medicaid.
It would be wise to contact your Medicaid rep and address the issue of the now extended medical costs that won't need to be out of pocket.