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I agree. Every state is different. It's important that the community spouse see an attorney (elder law or estate) who knows your state's Medicaid policy and do the planning needed. Good luck, Carol
Community spouse issues can get pretty sticky to maneuver to be done so that they maximize the situation. The state does NOT require the community spouse to themselves become impoverished. Most articles and info on Medicaid is all about a single widow or widower applicant and their assets income limits are about 2k & 2K for each. For for CS, most states have it as 113K in liquid assets plus the usual exempt assets (home, car). Now what is considered a liquid asset can vary by state (like some are OK for SPIA's and others not - like I said its sticky) Personally i think you need to consult with elder law or an experienced Medicaid estate planner or advisor.There are things you can & need to do for your folks in advance though.
- find out what your state has as it's CSRA - that is community spouse resource allowance. The CSRA will vary by state as each state manages Medicaid uniquely. For example the CSRA for TX is $ 2,931 which is somewhat high. Then figure out what your parents monthly income is for each and where the community spouse could stand financially. - get their life insurance policies out and look at beneficiary. Most couples have each other as the beneficiary. Totally not good for Medicaid to plan this way. Legal or planner can give you options of how to deal with this that works for your state - cars. Medicaid allows for 1 car, most couples have 2. Cannot gift the extra car to kids or grandkids as transfer penalty. Best bet is to trade both in and get 1 newer and more dependable car. - best use of spend-down. If the CS realistically can be on their own for years & years, planning for all this is different that for "almost needing their own care" spouse who themselves may need a NH in the near future. This is where an experienced Medicaid planner or attorney can be invaluable. - timing. For couples, Medicaid does a "snapshot" day in which their financials are all based on. If anything financially needs to be done, it has to all be done and through their banking, etc BEFORE the snapshot day. Changing insurance or paying off a mortgage or downsizing in homes, all can take time to get done and you have to get this stuff done before the snapshot day is done.
I did my mom's Medicaid app, penalty issues, etc on my own and it;s a total PIA but pretty straightforward (they need to be impoverished). But if I had been dealing with mom staying at home & dad going into NH, I really would work with both an elder lawyer and a financial planner who understands community spouse to maximize what mom could do, keep and have. Somewhere I read that the average CS lives 8 years after the other goes into a NH. My mom was almost 25 years solo after dad died & before she went into a NH. That is a really long time and you need to do whatever to keep the most $$$ for them to stay living at the same standard as when they were together. Good advice is invaluable. Good luck.
As a general rule, all states must follow the federal Medicaid law that says the spouse at home is permitted to retain AT LEAST $1,939, which may be increased to $2,931 if financial need can be proved (some states set the minimum at $2,931).
The ? Was from me stef as ni. We do not own anything I lease a car we rent sn spt. Have nothing in b as nk except our ss & pension checks. Hubby gambled every penny of his retirement fund my life insurance is only for $1500.00.. I want to know what instance medicaid w pay the nill of a nursing home for him he has Altzheimers/dementia w diabetes
My father had a stroke, I his Daugther has been taking care of him now for about 3 years. It is getting very hard to take care of him with having 4 children work an 8 hr. job and have a husband also.All he has is his social security as an in come.He can't do anything for himself, therefor he has to have someone to take care of him 24- 7. I need to now if there is help with a nursing home, I am just about done, can't hold on much longer.
I will just get a senior apt for him and deliver him to his appts. Its my husband. He already gets his meals and meds delivered I just do not want to live with him any longer..too much for me to handle
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.
Good luck,
Carol
- find out what your state has as it's CSRA - that is community spouse resource allowance. The CSRA will vary by state as each state manages Medicaid uniquely. For example the CSRA for TX is $ 2,931 which is somewhat high. Then figure out what your parents monthly income is for each and where the community spouse could stand financially.
- get their life insurance policies out and look at beneficiary. Most couples have each other as the beneficiary. Totally not good for Medicaid to plan this way. Legal or planner can give you options of how to deal with this that works for your state
- cars. Medicaid allows for 1 car, most couples have 2. Cannot gift the extra car to kids or grandkids as transfer penalty. Best bet is to trade both in and get 1 newer and more dependable car.
- best use of spend-down. If the CS realistically can be on their own for years & years, planning for all this is different that for "almost needing their own care" spouse who themselves may need a NH in the near future. This is where an experienced Medicaid planner or attorney can be invaluable.
- timing. For couples, Medicaid does a "snapshot" day in which their financials are all based on. If anything financially needs to be done, it has to all be done and through their banking, etc BEFORE the snapshot day. Changing insurance or paying off a mortgage or downsizing in homes, all can take time to get done and you have to get this stuff done before the snapshot day is done.
I did my mom's Medicaid app, penalty issues, etc on my own and it;s a total PIA but pretty straightforward (they need to be impoverished). But if I had been dealing with mom staying at home & dad going into NH, I really would work with both an elder lawyer and a financial planner who understands community spouse to maximize what mom could do, keep and have. Somewhere I read that the average CS lives 8 years after the other goes into a NH. My mom was almost 25 years solo after dad died & before she went into a NH. That is a really long time and you need to do whatever to keep the most $$$ for them to stay living at the same standard as when they were together. Good advice is invaluable. Good luck.
I just do not want to live with him any longer..too much for me to handle