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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:
"In New Jersey, the income limit for a single applicant for Nursing Home Medicaid in 2025 is $2,901 per month. This limit applies to assisted living services and in-home care."
If your Mom's monthly income is less than the $2901, then she is OK and yes Medicaid requires she offset the cost of her care. The problem comes if she goes over that $2901. Then she will need a Miller trust. This is where the overage goes into the trust so she can qualify. Upon her passing the Trust will revert back to Medicaid.
NJ only allows $2000 in assets. So if she has any savings, they need to be spent down. My Mom had 20k that I spent down by paying privately for two months in the NH. This gave me time to apply and get Medicaid all the information need. The 3rd month, Mom was on Medicaid.
I had made an appt with a Medicaid caseworker and he helped me alot.
It all goes to pay for her care. It doesn't go to Medicaid. Medicaid in fact GIVES, doesn't take away. So your mother pays out of her income all she can, and Medicaid picks up the rest. Given that care amounts to about 5K minimally per month, Mom's funds pay for it and then Medicaid pays the rest.
You need to see an attorney I think to figure this out. Mom, with two pensions and SS may not even qualify for Medicaid. However, given she is monthly cash rich, it still won't be enough to pay a nursing home. So she may need a Miller or Q.I.T. Trust to handle some of the money so she isn't so "income rich" but "asset poor". That sort of trust puts a portion of her income away into a trust, and the beneficiary of that trust is the government, which will do clawback on any assets left at her death, be it this trust or a home or a car.
So your mom goes in self pay at first with her income monthly and with her assets in bank accounts. When she hasn't enough for the monthly fee she applies to Medicaid and if she has too much monthly income to do so then she would need to see an attorney about those trusts.
It is all HIGHLY confusing. Not a DIY thing. I would seek help from a Medicaid Counselor or an attorney. Best of luck to you.
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 your Mom's monthly income is less than the $2901, then she is OK and yes Medicaid requires she offset the cost of her care. The problem comes if she goes over that $2901. Then she will need a Miller trust. This is where the overage goes into the trust so she can qualify. Upon her passing the Trust will revert back to Medicaid.
NJ only allows $2000 in assets. So if she has any savings, they need to be spent down. My Mom had 20k that I spent down by paying privately for two months in the NH. This gave me time to apply and get Medicaid all the information need. The 3rd month, Mom was on Medicaid.
I had made an appt with a Medicaid caseworker and he helped me alot.
It doesn't go to Medicaid.
Medicaid in fact GIVES, doesn't take away.
So your mother pays out of her income all she can, and Medicaid picks up the rest. Given that care amounts to about 5K minimally per month, Mom's funds pay for it and then Medicaid pays the rest.
You need to see an attorney I think to figure this out. Mom, with two pensions and SS may not even qualify for Medicaid. However, given she is monthly cash rich, it still won't be enough to pay a nursing home. So she may need a Miller or Q.I.T. Trust to handle some of the money so she isn't so "income rich" but "asset poor". That sort of trust puts a portion of her income away into a trust, and the beneficiary of that trust is the government, which will do clawback on any assets left at her death, be it this trust or a home or a car.
So your mom goes in self pay at first with her income monthly and with her assets in bank accounts. When she hasn't enough for the monthly fee she applies to Medicaid and if she has too much monthly income to do so then she would need to see an attorney about those trusts.
It is all HIGHLY confusing. Not a DIY thing. I would seek help from a Medicaid Counselor or an attorney. Best of luck to you.