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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.
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This question can only be answered by an adviser in your state who knows all the facts of your mother's case, and the Medicaid regulations that apply in your state.
Has your mother already filed a Medicaid application for care in a facility? A $100,000 transfer four years ago would have to be listed on the application, and it would disqualify her. This would be a serious problem.
If your mother hasn't applied yet, you need a plan to deal with the asset transfer, the 5 year lookback period, and your mother's need for care as her health declines. Getting professional advice you can rely on, and professional preparation of the application, is the best way to protect your mother's health and financial well being.
Mom will have a 100K transfer penalty in which Medicaid will not pay for any of her care till the penalty is either paid back (with the funds used towards her spend-down) or the penalty period is over.
The penalty is based on your states Medicaid daily reimbursement rate for room & board. Like for TX it is about $ 145.00 a day so a 100K penalty means that roughly for 670 days (almost 2 years) Medicaid will not pay a penny for her care. Even if mom is currently impoverished and qualifies for Medicaid (that means mom meets the financial and medical needs for Medicaid), she will be ineligible for Medicaid to pay for any of her care. There is a specific formula in how the penalty is done and the date at which the penalty is based on.
So who is momma going to move in with? or is brother going to private pay for mom for the full penalty period?
If Mom gifted $55,000. To five children in October 2011 and now is spending down for private care her last remaining annuity of $40,000 at $2500 per month would it be logical to assume that the children could gift back to Mom $25,000 and then apply for Medicaid after all assets are gone? Or wait and let the reviewer decide what to do?
Newfiegirl, yes these are considered gifts and will trigger a penalty under the Medicaid 5 year lookback. I assume the $13,000 amount was to avoid gift taxes, which it does....but it does NOT avoid Medicad lookback.
My understanding is that any gifts given to family will be penalized by Medicaid. Others on here may have more experience in this, but I was worried about Mom paying my brother back for what he lost when the house he paid for that she lived in was foreclosed. An elder law attorney told me if we kept records noting she was paying him back and not giving him financial gifts, we should be okay.
Medicaid imposes a 5 year look back period, and since your mom gave your brother $100K within the 5-year look back period, it can affect her application for medicaid's long-term care benefits. As stated in infolongtermcare, she will be subjected to a penalty disqualification period, it depends on the value of the asset you transferred and the cost of care in your location. Supposed the cost of long-term care in your area is $50K per year, and your mom gifted $100K to your brother, then medicaid will only start paying 2 years after your application.
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.
Has your mother already filed a Medicaid application for care in a facility? A $100,000 transfer four years ago would have to be listed on the application, and it would disqualify her. This would be a serious problem.
If your mother hasn't applied yet, you need a plan to deal with the asset transfer, the 5 year lookback period, and your mother's need for care as her health declines. Getting professional advice you can rely on, and professional preparation of the application, is the best way to protect your mother's health and financial well being.
The penalty is based on your states Medicaid daily reimbursement rate for room & board. Like for TX it is about $ 145.00 a day so a 100K penalty means that roughly for 670 days (almost 2 years) Medicaid will not pay a penny for her care. Even if mom is currently impoverished and qualifies for Medicaid (that means mom meets the financial and medical needs for Medicaid), she will be ineligible for Medicaid to pay for any of her care. There is a specific formula in how the penalty is done and the date at which the penalty is based on.
So who is momma going to move in with? or is brother going to private pay for mom for the full penalty period?
Angel
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