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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.
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.
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I was recently told that an adult child's funeral arrangements can be pre-paid as part of the Medicaid spend down. Check it out with your local funeral home or elder lawyer.
You are allowed to purchase items needed for her care and comfort. Remember to keep all receipts. A nice television, recliner (perhaps with a lift assist), comfortable bed, nice warm bedding- these are some of the things that come to mind. Does she have her funeral pre-arranged and paid for?
If her room has enough space a nice recliner would be good. Something that doesn't rock and can be wiped down if there is a spill. Check with the facility first about what works best if it requires electricity.
My Mom had about 20k I needed to spend down. I first went to Medicaid and started the application. I was given a list of what I needed to do. One was cashing in Moms insurance. That gave me about 10k to set up a trust with the funeral home. According to them, Medicaid allows for the cost of the funeral services, flowers, stone/plaque, luncheon, ect. Monies left over revert back to Medicaid. I placed Mom in LTC May 1st. She paid $18,600 for 2 months private care. This took her under the cap. Medicaid started July 1.
Buy her new clothes. If she wears socks, lots of them. Like said extra pair of glasses. A comforter for her bed. You don't want to put too much in her PNA because this is figured in with the cap money. So, if u have 1000k left in her acct and the cap is 2k, her PNA can't be more than 1k. Moms caseworker said "get creative". As long as its for her, they won't question.
Here is what I found:
In order to be eligible for Medicaid, applicants must have no more than $2,000 in "countable" assets (the dollar figure may be slightly more, depending on the state). In addition, Medicaid also has strict asset transfer rules. If an applicant transfers assets for less than market value, the applicant will be ineligible for Medicaid for a period of time. Applicants for Medicaid and their spouses may protect savings by spending them on non-countable assets. A Medicaid applicant can spend down money on anything that would benefit the applicant. Following are examples of what a Medicaid applicant may be able to spend money on: Prepay funeral expenses. A prepaid or pre-need funeral contract allows you to purchase funeral goods and services before you die.
Pay off a mortgage, car loan, or credit card debts. You can pay off the debt fully or make partial payment.
Make repairs to a home. Fix the roof, make the house handicapped accessible, buy new carpet, etc.
Replace an old automobile. This can be useful for the healthy spouse.
Update your personal effects. Buy household goods or personal comfort objects. Buy a new wardrobe, electronics, or furniture.
Medical care and equipment. Purchase items that aren't covered by Medicare or Medicaid. See a dentist or get your eyes checked if those items aren't covered by your insurance.
Pay for more care at home. Make sure you get any caregiving agreements in writing, especially if family members are providing the care.
Buy a new home. A home can be an exempt asset, so it may be possible to purchase a new home.
In the case of married couples, it is often important that any spend-down steps be taken only after the unhealthy spouse moves to a nursing home if this would affect the amount of money the community spouse would get to keep, called the community spouse's resource allowance. Each state has different requirements for spend down. Before making any spend down plans, consult with your elder law attorney.
You are a true godsend! I shared with my Mom & she has some peace. We are also retaining an elder attorney who is helping. Thank you for your kindness!!! God bless! ❤️
LO's car is exempt. Buy a Ferrari. LO can literally spend the money any way they see fit as long as they don't give it away. If LO has a house, they can spend money to remodel the house. These are legit was to shield assets from MERP if they don't through probate due to a trust or other mechanism.
I agree with all of the suggestions. I also took my mother to a foot doctor to have her toenails and bunions taken care of and a specialized dentist to look at a lump she had inside her mouth. I bought new eye glasses, bedding, toiletries, and clothing for her, as well. To buy extra time for Medicaid to kick in, I prepaid two months of her fees for the memory care facility which allowed the State to complete the paperwork in 2 months. This was helpful as I have found things take so much more time than anticipated and after Mom's funds were depleted, I knew she needed Medicaid so the prepaying of the 2 months of care was ideal. Good luck!
Think long term. She may have all she needs for now but if she has a facility in her future realize that things get lost. Consider Extra Dentures if she wears them, extra eyeglasses, extra clothing, hearing aids, a prepaid funeral, a nice rollator. If she doesn’t wear dentures make sure she gets to a good dentist for seniors. If she has a car that is being used for her transportation then new tires and other maintenance items. Anything that can be prepaid that Medicaid doesn’t cover and is for her personal use. Hope this helps.
Does she have a pre-paid funeral trust set up? This should happen before Medicaid approval because they allow far more before approval than after. Also put the maximum into the Resident's Trust at her AL.
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.
Buy her new clothes. If she wears socks, lots of them. Like said extra pair of glasses. A comforter for her bed. You don't want to put too much in her PNA because this is figured in with the cap money. So, if u have 1000k left in her acct and the cap is 2k, her PNA can't be more than 1k. Moms caseworker said "get creative". As long as its for her, they won't question.
Here is what I found:
In order to be eligible for Medicaid, applicants must have no more than $2,000 in "countable" assets (the dollar figure may be slightly more, depending on the state). In addition, Medicaid also has strict asset transfer rules. If an applicant transfers assets for less than market value, the applicant will be ineligible for Medicaid for a period of time. Applicants for Medicaid and their spouses may protect savings by spending them on non-countable assets.
A Medicaid applicant can spend down money on anything that would benefit the applicant. Following are examples of what a Medicaid applicant may be able to spend money on:
Prepay funeral expenses. A prepaid or pre-need funeral contract allows you to purchase funeral goods and services before you die.
Pay off a mortgage, car loan, or credit card debts. You can pay off the debt fully or make partial payment.
Make repairs to a home. Fix the roof, make the house handicapped accessible, buy new carpet, etc.
Replace an old automobile. This can be useful for the healthy spouse.
Update your personal effects. Buy household goods or personal comfort objects. Buy a new wardrobe, electronics, or furniture.
Medical care and equipment. Purchase items that aren't covered by Medicare or Medicaid. See a dentist or get your eyes checked if those items aren't covered by your insurance.
Pay for more care at home. Make sure you get any caregiving agreements in writing, especially if family members are providing the care.
Buy a new home. A home can be an exempt asset, so it may be possible to purchase a new home.
In the case of married couples, it is often important that any spend-down steps be taken only after the unhealthy spouse moves to a nursing home if this would affect the amount of money the community spouse would get to keep, called the community spouse's resource allowance.
Each state has different requirements for spend down. Before making any spend down plans, consult with your elder law attorney.
God bless! ❤️
But why not just spend it down by paying the NH?