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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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Need to wash hair - Make sure your attorney gives those opinions in WRITING so that you can sue him/her when Medicaid penalizes you for giving away assets.
Joe, if you're talking about Medicare, that's hospital insurance for everyone with an adequate work history who is over age 65, no looking into assets or income.
If you are talking about Medicaid, which is for folks with limited " countable assets" and low income, just know that in most situations, your home is exempt, not counted, until both owners die. Also, Medicaid looks back 5 years, so don't give anything away.
Is medicaid look back really 5 years? I know it says that on many documents that are many years old. But I looked at the medicaid website myself last year and it said it was 3 years. Our elder law attorney says it's 2.5 years in our state.
Also, according to our elder law attorney, just because there is a lookback period doesn't mean you can't give things away. It just means you have to report them. Reporting doesn't mean disallowed. He's given me examples of limits of things that can be given away, including cash, that even though reported will be allowed.
Thus I strongly encourage people to consult an elder law attorney. Many things that seem to be prohibited, actually aren't.
needtowashhair, every State handles Medicaid differently. There are some basic rules that each State needs to follow, but otherwise each State acts on their own because it is their taxpayers who are paying for this program. The differences are mainly the programs themselves.
"When you apply for Medicaid, any gifts or transfers of assets made within five years (60 months) of the date of application are subject to penalties. Any gifts or transfers of assets made greater than 5 years of the date of application are not subject to penalties."
I know, why does getting old have to become so complex :P
State legislature can change look-back period. Just like last week like 8 states filed to the feds for a waiver to be allowed to change “ability to work” criteria for status for those receiving regular Medicaid.
Look back can be up to 10 years from what was put into law in the 1990’s. That’s not feasible for state workers to do. But give another 5 years of better database management and if states start to use outside contractors for application review (like what some states do now for MERP with HMS and PNG), 5 years, 7 years, 10 years is all just keystrokes away for getting baseline data and to the penny. Its not like Grannie is going crypto currency.....
In NJ look back is five. Your house is your asset and as such it's not fair that you give it away so u qualify for Medicaid. Which by the way if your income, SS and pension, is over the income allowed you can't get it anyway. So you might want to hold on to that house. If you sell and think you will need Medicaid within that look back period, make sure you get market value.
Need, Medicaid is administered at state level. Federal law says 5 years. Your state may be enforcing shorter period, but with restricted budgets it will be 5 years soon. Count yourself lucky if it’s less now but don’t rely on it. In my state it’s 5 years, and backed up enough that state agencies are overwhelmed. The house you transfer might get you a nicer room in better facility instead. In Texas, Medicaid room is shared room with one single bed and one chair each, shared bathroom, single window, a drawer and cupboard. I would not count on family paying difference...
WashHair - did that atty explain to you in detail what & how the transfer penalty works for assets transferred? And what the facility is likely to do if elder is determined to be ineligible for Medicaid? And what can happen to dpoa who does not do thier required fiduciary duty as dPOA?
Get this in writing & that atty will assume liability for errant advice.
I understand what you all are saying. But it's simply not as black and white as many people believe it to be. There are exceptions to the lookback rule. For example, the house under the right circumstances. I documented one of those circumstances including the federal law that allows a house transfer of ownership to be exempt from medicaid lookback in another thread.
JoAnn29, that is another thing that's not black and white. There are ways to address the income limit. For example, a miller trust can be used to bring income under the limit.
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.
Make sure your attorney gives those opinions in WRITING so that you can sue him/her when Medicaid penalizes you for giving away assets.
If you are talking about Medicaid, which is for folks with limited " countable assets" and low income, just know that in most situations, your home is exempt, not counted, until both owners die. Also, Medicaid looks back 5 years, so don't give anything away.
Also, according to our elder law attorney, just because there is a lookback period doesn't mean you can't give things away. It just means you have to report them. Reporting doesn't mean disallowed. He's given me examples of limits of things that can be given away, including cash, that even though reported will be allowed.
Thus I strongly encourage people to consult an elder law attorney. Many things that seem to be prohibited, actually aren't.
"When you apply for Medicaid, any gifts or transfers of assets made within five years (60 months) of the date of application are subject to penalties. Any gifts or transfers of assets made greater than 5 years of the date of application are not subject to penalties."
I know, why does getting old have to become so complex :P
Just like last week like 8 states filed to the feds for a waiver to be allowed to change “ability to work” criteria for status for those receiving regular Medicaid.
Look back can be up to 10 years from what was put into law in the 1990’s. That’s not feasible for state workers to do. But give another 5 years of better database management and if states start to use outside contractors for application review (like what some states do now for MERP with HMS and PNG), 5 years, 7 years, 10 years is all just keystrokes away for getting baseline data and to the penny.
Its not like Grannie is going crypto currency.....
Get this in writing & that atty will assume liability for errant advice.
JoAnn29, that is another thing that's not black and white. There are ways to address the income limit. For example, a miller trust can be used to bring income under the limit.
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