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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:
You go to am Elder Law attorney in your state who can advise you about local Medicaid regs.
In most places, when one spouse needs Nursing Home level care, their assets are split and the institutionalized spouse spends down their part of the assets private paying for care.
The spouse who remains at home, termed the Community Spouse, does not need to become impoverished.
With an elder law attorney advising how to protect what assets for the well spouse that CAN be protected you proceed. However, do understand that your assets stand to pay for your care, not the taxpayer.
After your assets are gone, is the time for Medicaid. You WILL need an attorney to protect what assets are allowed the well spouse for her own future care.
Attend with a full set of assets and get options from an attorney. While a Forum may be well meaning, this isn't something you can afford to do wrong.
Didn't your husband acquire "financial means" precisely so he could be well cared for in his old age rather than placed in a Medicaid facility with a roommate, separated by a curtain, who's blasting his tv set 24/7? Memory Care Assisted Living is a much better, more comfortable, environment for a man of means! You may want your life, yes, but I'm sure he wants what's left of his life to be the best it can be too!
We have an adult child with a chronic illness. We are both hoping to leave a considerable part of our estate to her, to cover her living and medical expenses. I have cared for my stroke victim husband for 3 years. We live in a rural area where it is extremely difficult to find caregiver help. I have someone who comes in one day a week. I have back issues, and would like to find an in home, full time caregiver. As for wanting my life, I'm sure many spousal caregivers would agree with me, I'm tired. Don't judge me.
You need to see an Elder Lawyer and have your assets split. Your husbands split goes towards his care and when almost gone you apply for Medicaid. Once he is on Medicaid you remain in the home, have a car and get enough of your monthly income to live on. I am just giving you basics an Elder Lawyer will get into more.
Want, I want to emphasize what some are saying here--you really need to see a Trusts and Estates attorney who also understands Medicaid regs in your state
You want to set up a "special needs trust" for your child so that an inheritance doesn't disqualify them from government aid.
This is NOT a DIY situation. Seek the best legal counsel you can find.
Want - you say you also have a daughter who needs help due to a chronic illness. I think your situation requires what's called a Trust & Estates attorney, and not an elder law attorney. A T&E attorney will look at your situation and advise you on what vehicles allow for assets to be protected for you, your daughter, and your husband.
If you're of "financial means" why are you trying to get your spouse on Medicaid?
Medicaid is for people who aren't of "financial means". Why not get Long Term Care insurance for your spouse? This way you can place him in residential care if you need to.
If you need to place your husband, the nursing home will take half of his income while you cash-pay. Even if he does not qualify for Medicaid for a long time or ever, they can only ever take half.
If you are looking for a way to preserve assets and get the state to pay for him through Medicaid, he will have to get any assets he has taken out of his name, then be kept out of a facility for five years for the Medicaid look-back period.
Long Term Care insurance gets more and more expensive with age. OP's husband is 82, has had a stroke, and has dementia. I doubt anyone would sell him LTC insurance for less than what it would cost to put him in a luxury nursing home.
In your state of residence (CO) Medicaid only covers LTC, which means the person is basically bedbound or so profoundly ill that they need 24/7 care.
Needing LTC is an assessment usually made by a physician. This is one of 2 things an applicant needs to qualify for. The other is financial need. Then there is a 5-year "look-back" period for the financial application.
I would discuss this with an elder law attorney, or estate planner or Medicaid Planner for your state.
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.
In most places, when one spouse needs Nursing Home level care, their assets are split and the institutionalized spouse spends down their part of the assets private paying for care.
The spouse who remains at home, termed the Community Spouse, does not need to become impoverished.
However, do understand that your assets stand to pay for your care, not the taxpayer.
After your assets are gone, is the time for Medicaid.
You WILL need an attorney to protect what assets are allowed the well spouse for her own future care.
Attend with a full set of assets and get options from an attorney. While a Forum may be well meaning, this isn't something you can afford to do wrong.
We have an adult child with a chronic illness. We are both hoping to leave a considerable part of our estate to her, to cover her living and medical expenses. I have cared for my stroke victim husband for 3 years. We live in a rural area where it is extremely difficult to find caregiver help. I have someone who comes in one day a week. I have back issues, and would like to find an in home, full time caregiver. As for wanting my life, I'm sure many spousal caregivers would agree with me, I'm tired. Don't judge me.
You want to set up a "special needs trust" for your child so that an inheritance doesn't disqualify them from government aid.
This is NOT a DIY situation. Seek the best legal counsel you can find.
Medicaid is for people who aren't of "financial means". Why not get Long Term Care insurance for your spouse? This way you can place him in residential care if you need to.
If you need to place your husband, the nursing home will take half of his income while you cash-pay. Even if he does not qualify for Medicaid for a long time or ever, they can only ever take half.
If you are looking for a way to preserve assets and get the state to pay for him through Medicaid, he will have to get any assets he has taken out of his name, then be kept out of a facility for five years for the Medicaid look-back period.
Needing LTC is an assessment usually made by a physician. This is one of 2 things an applicant needs to qualify for. The other is financial need. Then there is a 5-year "look-back" period for the financial application.
I would discuss this with an elder law attorney, or estate planner or Medicaid Planner for your state.
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