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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?
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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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Once mom's money is gone either family will pick up the bill or you will have to apply for Medicaid benefits.
However, spending down all of mom's money and then applying for Medicaid is, simply, bad advice.
What most families don't realize is that although Medicaid may save them from financial disaster, it does not pay for everything... particularly when it comes to items for the comfort of the patient/client.
You do not want your mother remaining in a nursing home without funds to augment what Medicaid will provide (what if mom needs glasses, dentures, hearing aides, clothing, special equipment, etc.?).
Moreover she will be permitted only $35 per month for personal expenses such as hair, etc.
I would advise that you do a search for "supplemental needs trusts" and "pooled community trusts" and learn about how this trust will allow:
1. Mom to qualify immediately for Medicaid. 2. Gift her remaining assets without penalty. 3. Preserve her assets for her own health, maintenance, and welfare. 4. Ensure quality of life while on Medicaid
Going to the social worker at the facility once her money is gone is the worst mistake you could possibly make.
My mom has been in a nursing home for - get this - TEN YEARS - !! Medicare and Medicaid pay all - and she has $92 per month left over from Medicare to use for her personal use.
When her assets are gone social services will sign her up for medicaid. You might want to talk to the social worker at the facility she is living at. Most of the people who live in nursing homes are on medicaid.
Nursing homes can be quite costly---If your Mom is in a 'NOT-FOR-PROFIT' facility, you can ask the social worker how to apply for Medicaid....when she is eligible....if the facility is strictly 'for profit' you will probably have to find a place for Mom that would be best financially, as well as offer good quality of health care. I would start such a search sooner rather than later, by geting her name on a list after touring the facility.. Having been down this road in the past, there are options-so do not panic.
I found that going to medicare was not good because whoever you talked to gave a different answe and were very convincing they were right and whoever told you something else was wrong if they did not know the nswer they made something up I think you need an elder lawyer who knows the system but mine wanted me to declear bandrupecy even though it would ruin my credit and I decided to pay off my husband debts even thought it will take 5 yrs. whatever advice they give you have to decided what is best for you yourself.
Ralph, how about CONCISE information, not just tidbits of sentences..links, forms, real detail! As you can see I was not that far off about them investigating monies....well if they look 5 years back yeah then your hosed again. Do you not get what I am after information at your fingertips or folks who give real answers. This is all so frustrating for people who get thrown into this and you have to research everything yourself. Amazing simply amazing....!
I have to agree pirategirl. Our parent cannot gift without penalty, there is a 5 yr lookback, you're right. Also, spending down is the only way to become eligible for medicaid. I went to a lawyer and was told that is the best thing to do, as long as its spent on her care, which it is, then apply for medicaid. We are using all of my parents money from the sale of their home. IF we kept the house and got medicaid now, they would attach a lean to their home, collecting it in the end. Why not use it for GOOD daycare/homecare, and NOT nursing home care! Our parents don't owe us an inheritence, we owe them the best care available using their money for them FIRST. If there is any left, so be it, if not, apply for medicaid like all the other people who probably hide their money 5 years ahead.
Very interesting, thank you for writing. I do have a personal care contract that the laywer and I made up and I signed as the DPOA. My Mom is incompetent. We sold her house and are using the money for her daycare, my caring, and for anything she needs. She got sick before any 5 year look back could have happened, so was this still indeed wrong? I went to 3 lawyers and a medicaid laywer. I live in NH, tell me more? Thanks
Hello,did this conversation end or can you answer my questions Ralph? I am assuming then, that my 3 laywers are correct and the money I spent was well worth it.
Ralph, thank you for this post! You mentioned a strategy I have in mind and for which I am seeing an elder law attorney next month. Now I feel comfortable the monies I will spend to see her will be a wise investment towards protecting both of my moms. Thank you, again. I feel much relieved!
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.
However, spending down all of mom's money and then applying for Medicaid is, simply, bad advice.
What most families don't realize is that although Medicaid may save them from financial disaster, it does not pay for everything... particularly when it comes to items for the comfort of the patient/client.
You do not want your mother remaining in a nursing home without funds to augment what Medicaid will provide (what if mom needs glasses, dentures, hearing aides, clothing, special equipment, etc.?).
Moreover she will be permitted only $35 per month for personal expenses such as hair, etc.
I would advise that you do a search for "supplemental needs trusts" and "pooled community trusts" and learn about how this trust will allow:
1. Mom to qualify immediately for Medicaid.
2. Gift her remaining assets without penalty.
3. Preserve her assets for her own health, maintenance, and welfare.
4. Ensure quality of life while on Medicaid
Going to the social worker at the facility once her money is gone is the worst mistake you could possibly make.
good luck!
Hap
Thanks
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