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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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The most common example of this that I can think of would be if you co-signed a mortgage to help someone buying property. So you have a legal obligation but no legal interest. Is that the case?
If so, think of your situation in these terms: why should Medicaid expend funds when (a) you apparently have sufficient funds to pay obligations under a Mortgage, but (b) you have no collateral for your expenditures.
Medicaid would have nothing to recover since you have no title for property, but you apparently do have funds to make mortgage payments. I think that's how Medicaid would see this situation.
??? I am amazed that a mortgage holder would ever allow anyone to be responsible to pay the mortgage without having the security of the property as collateral. Meaning, I have never heard of someone being on the mortgage without also being on the title.
Now, you can do a “quit claim” deed to record a title removing someone from it...but...it is not a warranty deed, and the mortgage holder is in no way obligated to accept it.
depending on when the title changed...Medicaid will likely not accept it either.
Medicaid doesn’t care about your debts, like a Mortgage. Medicaid is all about your income & assets.
You can apply for LTC Medicaid and if your medically & financially eligible you can get LTC NHH Medicaid. But due to Medicaid copay requirements, like others have said, there will realistically be no-none-zero $ for you to ever pay that mortgage. Property will go onto foreclosure.
But a bank lending to someone who is not an owner doesn’t make sense. Mortgages are secured lending. The “securitization” is the property that $ has been lent on for you to buy. property paperwork has to list you as the lender & borrower. Unless you co-signed for someone. I’m with Katie that what you’ve described doesn’t make sense for how banks do mortgages.
So what exactly is the background on all this and why would Medicaid be a factor?
It actually does make sense. I know a few people that had co-signers on their mortgage but the co-signers weren’t on the title. This is the opposite but I’m on the title to our house but NOT on the mortgage. I wondering if the OP was a co-signer perhaps?
Depending on what the Medicaid is required for, as in long term care or in home assistance or just medical care you should be aware that LTC would require that essentially all of the recipients money be paid for their share of costs and they wouldn't be able to pay for a mortgage or anything else.
Talk to the social worker and ask them these questions to be sure that you understand everything.
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.
If so, think of your situation in these terms: why should Medicaid expend funds when (a) you apparently have sufficient funds to pay obligations under a Mortgage, but (b) you have no collateral for your expenditures.
Medicaid would have nothing to recover since you have no title for property, but you apparently do have funds to make mortgage payments. I think that's how Medicaid would see this situation.
Now, you can do a “quit claim” deed to record a title removing someone from it...but...it is not a warranty deed, and the mortgage holder is in no way obligated to accept it.
depending on when the title changed...Medicaid will likely not accept it either.
Medicaid is all about your income & assets.
You can apply for LTC Medicaid and if your medically & financially eligible you can get LTC NHH Medicaid. But due to Medicaid copay requirements, like others have said, there will realistically be no-none-zero $ for you to ever pay that mortgage. Property will go onto foreclosure.
But a bank lending to someone who is not an owner doesn’t make sense. Mortgages are secured lending. The “securitization” is the property that $ has been lent on for you to buy. property paperwork has to list you as the lender & borrower. Unless you co-signed for someone. I’m with Katie that what you’ve described doesn’t make sense for how banks do mortgages.
So what exactly is the background on all this and why would Medicaid be a factor?
Talk to the social worker and ask them these questions to be sure that you understand everything.