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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.
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.
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He lives in Connecticut with his wife who is 20 years his Junior. He is 85. We are not sure he will qualify for Medicaid and he is going to need full time care. Please, any suggestions welcomed!
I can't speak to the benefits offered by a Medicare Advantage plan, however I can tell you that in general, Medicare pays for temporary home care after hospitalization if needed. Medicaid absolutely will pay for home health aides -- in New York that Medicaid program is now called Managed Long Term Care (MLTC) and also includes things like medical house calls, transportation to appointments, and skilled nursing as needed. They assess and determine the level of care and number of hours you need. I have been very pleasantly surprised by the quality of the service and the professional staffing (although the beureacracy can be a kind of labyrinthian). As per below, the benefits and details of the program vary by state. If he does not currently "qualify," you don't have too many options until his finances are sufficiently depleted. He could begin divesting his assets to his heirs, however there is something called "look back," which basically means you have to have been poor enough for at least a certain number of years. That said, I would highly recommend splurging for a professional elder care manager who can walk you through all this.
the key part of Medicare and Medicaid’s is med. that means both only pay for necessary medical care. If you need care for just living because you are old or have chronic conditions you need to find another way. They call this long term health insurance. Most people do not have it because it is very expensive. Your next choice is to be totally broke and homeless then the state will help cover the costs in a facility. There is a fine line between medical care and health care.
Medicaid does indeed pay for in home services as well as custodial care. Each state has different income and assets limit. At most, however, it’s intermittent
I highly recommend Veterans with VA Medical also get a Medicare Advantage plan. They are already paying for Medicare that is taken from their Social Security checks! If they need Urgent Care, they won't need to make 4 calls for a VA appt.
Get a Medicare supplement instead. Medicare Advantage plans are inexpensive, but they come with many limitations: networks, referrals, co-pays, prior authorizations, and (usually) care restricted to a small geographic area except in emergencies.
Thank you ma’am!! I wish I had scrolled through the replies and saw this before I typed out my comment above 😂😂😂😂😂 it have saved me 30 minutes 😂😂😂😂 Oh well, good information is always worth repeating!!!
Thank you again for sharing this, I am hoping that it helps other people so that they don’t have to almost lose their minds trying to get help like I almost did!!
Because he has a Spouse things may not be cut and dry. Assets will need to be split before you apply with an Elder Lawyer. If he is put in care, she becomes the Community Spouse. Medicaidvis based on income.
There is a post talking about some VA programs people may not be aware of.
As you are asking the questions, it’s worth saying that it’s best to do this together with the wife who is 20 years younger. She probably didn’t expect this as part of marriage, and it’s difficult for her, but she is the ‘next of kin’. He may have skipped the POA, on the basis that she will take responsibility, but you may need to think whether this is best. When the ‘family’ isn’t together, it can all get very nasty very quickly.
Check with your local social services. CT used to have some specific funding available to help families continue aging in place. I heard of it but my mom was in MA so I did not fully search. Unfortunatetly,CT has high nursing home costs. However if he is close to MA, consider looking across the border if he gets to that stage.
Medicare will cover short periods of care if a person is receiving skilled nursing at home. That means care provided by a registered or licensed nurse (infusions, wound care,...). Medicare will never provide 24-hour care or long-term care; not even if the patient is in hospice.
If he's a veteran, see the Geriatric Care page on VA.gov for home care options. If not, take the survey on benefits.gov to see what financial assistance may be available through Dad's state or county.
The spend-down (process for legally reducing assets) for Medicaid is horrific, but know that the house is NOT considered an asset while the wife lives in it. People who are not on Medicaid are encouraged by the State of CT to apply for their Home Care for Elders Program which seems to be a sort-of Medicaid program, one without all of the limitations of the standard*. Five qualifications: ~ You are 65 or older, ~ You are a Connecticut resident, ~ You meet the program’s functional criteria and/or ~ you are at risk of nursing home placement, and ~ You meet the program’s income and asset guidelines. (see www.ct.gov/dss for limits)
Call 1-800-445-5394, option 4 to make a referral to the program or apply at: https://www.ascendami.com/CTHomeCareForElders/default/ * The above information is taken from a brochure downloaded from the CT.gov Department of Social Services/Health & Home Care Home Care - Long Term Services and Supports/Community Options page
A financial planner friend once explained how life insurance policies can be used as loans. My eyes glazed over about a third of the way through that, but if Dad has life insurance, definitely consult a financial planner to see what's possible.
Best wishes in quickly getting the care your family needs.
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.
https://www.agingcare.com/questions/i-just-learned-about-a-new-and-often-not-offered-va-program-sharing-what-ive-learned-for-those-carin-489098.htm
Thank you again for sharing this, I am hoping that it helps other people so that they don’t have to almost lose their minds trying to get help like I almost did!!
There is a post talking about some VA programs people may not be aware of.
If he's a veteran, see the Geriatric Care page on VA.gov for home care options. If not, take the survey on benefits.gov to see what financial assistance may be available through Dad's state or county.
The spend-down (process for legally reducing assets) for Medicaid is horrific, but know that the house is NOT considered an asset while the wife lives in it. People who are not on Medicaid are encouraged by the State of CT to apply for their Home Care for Elders Program which seems to be a sort-of Medicaid program, one without all of the limitations of the standard*. Five qualifications:
~ You are 65 or older,
~ You are a Connecticut resident,
~ You meet the program’s functional criteria and/or
~ you are at risk of nursing home placement, and
~ You meet the program’s income and asset guidelines. (see www.ct.gov/dss for limits)
Call 1-800-445-5394, option 4 to make a referral to the program or apply at:
https://www.ascendami.com/CTHomeCareForElders/default/
* The above information is taken from a brochure downloaded from the CT.gov Department of Social Services/Health & Home Care
Home Care - Long Term Services and Supports/Community Options page
A financial planner friend once explained how life insurance policies can be used as loans. My eyes glazed over about a third of the way through that, but if Dad has life insurance, definitely consult a financial planner to see what's possible.
Best wishes in quickly getting the care your family needs.