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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?
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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.
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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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Have you looked at the entire economic picture and compared alternatives? How do you know you will need medicaid? What if you don’t? Have you figured the write off on taxes vs the interest you are paying? etc etc. Wild thought - sell the house to your mom then inherit it back at the end? :-)
If mom owns the house - Medicaid will place a lien against the house to recover their costs of providing care. It is part of MERP program. My stepmom is going to sell their house - dad died a year ago. Medicaid has a lien against the house for $120,000.
Her intentions are good, but no, she cannot pay off your mortgage. The only thing that can be done, if she is living with you, is to come to a "rental agreement" and even this should be passed past a good Elder Law Attorney to make certain it will not count against the medicaid 5 year look back at gifting (2 years in California). I would have to be by contract, written, with records kept, and with your recording it as income for tax purposes. You should definitely consider buying an hours time from an Elder Law Attorney in your area to see what legally can be done, and what cannot.
Unfortunately CAT is wrong - my sister can tell her. Sister's MIL sold her house and gifted each of five children the IRS amount each year - say $14K per child - which is $70 per year. This spring MIL fell - hospital, rehab, dementia started - nursing home and Medicaid application to pay for nursing home. Medicaid denied because of this gifting - there is a penalty period equal to about $350,000 in costs - I don't know how many years - because MIL gave her money away. Medicaid does not allow IRS gifting - gifting is gifting. Medicaid sees the MIL should have paid that money for her own care. Now WWIII is going on as the five children are taking turns caring for MIL in their homes and she needs more care than they can provide. But Medicaid is out for a long long time.
Get advise from a lawyer that understands all of the rules.
I'm sorry, and there are people here with more knowledge about this than I, but Cat's answer is wrong. Gifting is a tax rule, NOT a Medicaid rule. Anything given within 5 years before she applies for Medicaid will absolutely be counted against a penalty period. Don't give anything away without consulting an expert and document clearly in real time any expenses she pays you for. You can't retroactively charge for anything to recoup expenses/rent you feel you are owed.
I believe she can gift each child about $14,000 annually without penalty. Check the gift amount allowed for your state, most are the same. Get busy gifting! State/Fed/Facility can't touch her house (or car) until she has expired even if she is in a nursing home
This is wrong. The OP is asking about Medicaid rules not IRS rules. Medicaid does not allow gifting period. It is the IRS that allows up to $14k in gifting per year, with no tax consequences. NOT medicaid.
If she paid your expenses as well as her own, it’s gifting. If she has money to pay mortgage, go to an elder care attorney and have them review the activity to prevent any unpleasant surprises should she need Medicaid.
Nope absolutely not. That would be considered a gift. Not allowed at all. Now she can pay rent and contribute to the monthly household expenses but she cannot give away a large sum of money. She cannot pay off anyone else’s mortgage.
Yes she has paid monthly rent and toward household expenses. She gave me money to sustain household bills when I was out of work for surgery. Is that considered gift or paying expenses?
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.
Get advise from a lawyer that understands all of the rules.
Has she been paying for her own way while living with you for 20 years?
She should have been paying you rent and a portion of utilities. As well as food.