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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.
Share a few details and we will match you to trusted home care in your area:
My 86 y/o mother moved in with my husband and I two years ago. We gave her a bedroom and made a living area on an entire floor for her things and made her bathroom senior friendly. She has mild Alzheimers and can't live alone. We enrolled her in an elder care plus center during the day for activities, socialization and meals under supervision so we can go to work. Other than that respite time, we always have her and we take her to the doctors, prepare meals, take her shopping, beauty salon, vacations etc. We drew up a care giver agreement agreement where she gifts us the maximum amount allowed by federal tax regulations so it doesn't cause any tax penalties in exchange for living with us etc. She has no financial hardship and can easily gift that amount. She could easily pay to live in a nice assisted living facility, but refuses to go. My siblings don't call or visit as they are mad that she moved in with me. However, with decreasing memory, she feels safe around us and I am a nurse. Currently she gifts us $13,000 per person per year. Anybody have any thoughts?
Although I do not charge my Mom for choosing to be her full-time caregiver, sounds like you have a well-thought-out financial arrangement and your Mom is blessed to have a nurse for a daughter who is also willing to keep a watchful eye over her. Bottom line is that even without knowing the details of your situation, I know first-hand that caregiving has many hidden costs in addition to actual expenses. Good for you for having a level business head on your shoulders in figuring it all out. God bless you and your Mom!
I agree that you have a thought out plan that is very reasonable and workable. My one question is whether the money that is gifted to you would be subject to what I've heard referred to as the "look back period" should a nursing home stay become necessary for your mother? In other words, would you need to pay that money back before any funds would be payable through Medicare for nursing hom e care if it becomes necessary?
Money that is gifted during the 5 year look back period does have to be paid back before medicaid would pay. It is different in situation where there is a contract between the parent and child paying them so much per month for their care. I think $13,000 is above the maximum for gifting in 2009 and the excess was taxable. Parents need to be careful that they don't gift above the maximum gifting level person. It is not a wise move either since one does not know when the application for medicaid will be needed and that five year look back period begins.
I am wondering what Medicaid would do in Allwoods case. Sounds like there is a care agreement in place. But if the payment is labeled as a gift in the agreement, then what? Gifts are subject to penalty under Medicaid. Maybe the parent is very well off and Medicaid woyld never be a concern? I have thought about this in my case, but if Mom lives another eight years the look back coyld become a problem and subject to payback.
To answer Jered's question... Payment to a family member is permitted in SOME states. In my case payment up to the amount an agency would charge is permitted, at the low end that is $18.00 an hour. But the care must be medically necessary as determined by a doctor. See an elder law attorney to talk about your state requirements to be compliant with Medicaid regulations. Anything paid without a care agreement in place is considered a gift and subject to penalty.
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.
Payment to a family member is permitted in SOME states. In my case payment up to the amount an agency would charge is permitted, at the low end that is $18.00 an hour. But the care must be medically necessary as determined by a doctor. See an elder law attorney to talk about your state requirements to be compliant with Medicaid regulations. Anything paid without a care agreement in place is considered a gift and subject to penalty.