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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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There are a couple of things to think about...if it is the situation that you need to go into a NH and qualify for Medicaid to pay for the NH, BUT you still have a home and you keep the home in your name and do not sell it there are things to consider. Now once you are in the NH, all your $ less whatever is your states monthly "personal care allowance" must be paid to the NH. So the expenses related to your home will basically have to be paid by others - you do not have to sell the home to qualify for Medicaid - but will have no $ to maintain the home.
So there will be insurance, utilities, lawn care, maintenance, property taxes, etc that must be paid on the property. If there still is a mortgage, it can add up to a lot of $ over a year or years. Someone has to pay this. But whomever pays for this, can go the paperwork (done by an attorney) so there is a contract between you and whomever is paying that they will be reimbursed for all $ spend upon the eventual sale of the home. Also whomever pays on house stuff can let MERP (Medicaid estate recovery) know that they will file their own claim or lien against the estate that will be paid first and before the MERP claim.
One thing to be cautious about is letting the mortgage company know that you are no longer living in the home. They could call the loan and require you to pay it off in full and there could be a sizable early payoff penalty.
My mom is in a NH on Medicaid and she still owns her homestead exempted property which sits empty. She gets $ 60 a mo in personal care allowance and all that $ goes into her NH trust fund to pay for hairdresser and shopping trips and other needs (like new socks or magazines). She has no money to pay for other things at $ 60 a month. I and another family member pay for all on the house, and upon her death we will let MERP know that we will file our own claim in probate for any and all expenses on the property. My mom does an annual letter that states her intention to return to live at her home when she is capable. The letter was done by her attorney and I just update it for each year. Like cattails, I am a firm advocate of having an elder care or estate attorney do whatever paperwork is needed and that will work for the law in your state. Good luck.
In most cases, if you are on Medicaid or want to go on Medicaid, it should not effect your status if someone does something for you unless they give you cash or put money into your bank account. If you qualify for Medicaid, it is based on your income, not on your debts. So if a member of your family wants to pay off your house loan, I do not think that would affect your Medicaid status, but they would have to pay it directly to the lender. If they gave you the money to pay off your home, then you would be in trouble because that money would be counted as income and would affect your Medicaid status.
For example, my understanding is that I can pay my dad's house payment if I pay it directly to the lender. If I give him the money to make his house payment then it would be counted as additional income for him. Basically, you can't give a person on Medicaid or wanting to apply for Medicaid cash. You can, however, pay some of their bills if you pay them directly to the creditor.
I AM NOT AN ELDER ATTORNEY AND THAT IS WHO YOU SHOULD BE TALKING TOO. I just want to make that clear because rules change or I and others can misunderstand them. I think this is workable for you, but you need to talk to an elder attorney who specializes in Medicaid issues before anyone does anything.
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.
There are a couple of things to think about...if it is the situation that you need to go into a NH and qualify for Medicaid to pay for the NH, BUT you still have a home and you keep the home in your name and do not sell it there are things to consider. Now once you are in the NH, all your $ less whatever is your states monthly "personal care allowance" must be paid to the NH. So the expenses related to your home will basically have to be paid by others - you do not have to sell the home to qualify for Medicaid - but will have no $ to maintain the home.
So there will be insurance, utilities, lawn care, maintenance, property taxes, etc that must be paid on the property. If there still is a mortgage, it can add up to a lot of $ over a year or years. Someone has to pay this. But whomever pays for this, can go the paperwork (done by an attorney) so there is a contract between you and whomever is paying that they will be reimbursed for all $ spend upon the eventual sale of the home. Also whomever pays on house stuff can let MERP (Medicaid estate recovery) know that they will file their own claim or lien against the estate that will be paid first and before the MERP claim.
One thing to be cautious about is letting the mortgage company know that you are no longer living in the home. They could call the loan and require you to pay it off in full and there could be a sizable early payoff penalty.
My mom is in a NH on Medicaid and she still owns her homestead exempted property which sits empty. She gets $ 60 a mo in personal care allowance and all that $ goes into her NH trust fund to pay for hairdresser and shopping trips and other needs (like new socks or magazines). She has no money to pay for other things at $ 60 a month. I and another family member pay for all on the house, and upon her death we will let MERP know that we will file our own claim in probate for any and all expenses on the property. My mom does an annual letter that states her intention to return to live at her home when she is capable. The letter was done by her attorney and I just update it for each year. Like cattails, I am a firm advocate of having an elder care or estate attorney do whatever paperwork is needed and that will work for the law in your state. Good luck.
For example, my understanding is that I can pay my dad's house payment if I pay it directly to the lender. If I give him the money to make his house payment then it would be counted as additional income for him. Basically, you can't give a person on Medicaid or wanting to apply for Medicaid cash. You can, however, pay some of their bills if you pay them directly to the creditor.
I AM NOT AN ELDER ATTORNEY AND THAT IS WHO YOU SHOULD BE TALKING TOO. I just want to make that clear because rules change or I and others can misunderstand them. I think this is workable for you, but you need to talk to an elder attorney who specializes in Medicaid issues before anyone does anything.
Good Luck, Cattails
Is the house still in your name? Are you planning to change that?