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Fall risks, spoiled food, or other threats to wellbeing
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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.
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Thanks for all the good information. She is hospice-enabled and in late stage dementia. She is in WI- which I think is a spend down state with a grandfathered 3 year lookback prior to Feb 2009. I believe any divestiture after 2/2009 has a 5 year lookback period. We are concerned about how the monthly income $2096 would play against NH costs which are $6500 per month. against the asset limit of $2000 +/-.
I agree the elder lawyer is worth what you have to pay-ours put me on a retainer of 5 hrs and since I only used about 1 hr. I will be able to use him for paperwork concerning my husbands death-all social workers are not up on the medicaide rules they should be but do give wrong advice at times,
Cat offers some really good advice about providing documents to the State but she is slightly incorrect with some of her figures.
To qualify for Medicaid requires your MIL to meet three sets of criteria: she must have a medical need, assets excluding a car and residence must be below $2000 and monthly income must be no more than $2022 (2009 limit).
Then it gets more complicated!
If any of your MIL's assets have been gifted or sold for less than fair market value since 2/7/06, her eligibility will be delayed based on a formula. If any transfers have been made, see an elder law attorney in your state for guidance.
Assuming no gifts have been made, the next question is whether the state is a so called "spend down" state or not. A "spend down state" determines income eligibility by first subtracting eligible medical expenses (like the cost of nursing home care) from the total income. If the balance is less than $2,022 your mother in law would be income eligible.
With the cost of NH care so high, if you're in a "spend down" State, Cat is correct. All but a very small portion of her income will go to the NH to cover her costs of care. Some States only allow a $35 personal needs allowance as Cat mentions. Others provide a bit more. Texas is $60.
If you're MIL lives in a "spend down" state, income qualification should be easy. If she lives in one of the twenty-one states that don't use the income spend down method, you may need a "Qualifying Income Trust" to get her financially eligible. Unless your State provides a prototype, you'll need to hire an attorney.
The business office managers should know if your MIL's State Medicaid program requires a "qualified income trust". For others reading this post, a word of caution: social workers and business office managers are not necessarily experts on your State's Medicaid rules. Be very careful relying on any advice they may offer. If you have any assets to speak of, have made any gifts or transfers of accounts or property or have income over the limit, spend a few bucks with an experienced elder law attorney. The peace of mind will be well worth the money
That is a question that should be answered by the nursing home business office. They should walk you through the process. Here is the generic answer
If she has no assets both currently and through your states look-back period, and receives a total of $2096.00 from the VA & SS then she would probably qualify if she neded skilled care. If there were no assets there would be no spend-down, however she would be responsible for paying her 'share of cost' based on her income. So if the SNF monthly charges were $4096, and her income was $2096 her share of cost would be her monthly income less $35.00 spending money for a total $2041.00. In other words her checks go towards covering the costs
If she did have assets during the lookback period be prepared to document everything. A good thing to remember when you are providing documents to yours state medi-caid office is to keep 3 extra copies, send everything certified and when providing copies of any bank or financial statements give them ALL the pages even if the last one is blank (so check the page numbering - pg 1 of 4, means you would send 4 consecutive pages).
She might have to spend down while she is medicaide pending but she will be in a nursing home and will get the care she needs and when she is eligdeable she will get on medicaide with no assets it will not be long until she gets on medicaide and the social worker should be able to help you with the paperwork and it is much easier for a parent than a spouseto get them on medicaide and after this occures you will be able to help others with the processe-it sure is a learning experience.
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.
To qualify for Medicaid requires your MIL to meet three sets of criteria: she must have a medical need, assets excluding a car and residence must be below $2000 and monthly income must be no more than $2022 (2009 limit).
Then it gets more complicated!
If any of your MIL's assets have been gifted or sold for less than fair market value since 2/7/06, her eligibility will be delayed based on a formula. If any transfers have been made, see an elder law attorney in your state for guidance.
Assuming no gifts have been made, the next question is whether the state is a so called "spend down" state or not. A "spend down state" determines income eligibility by first subtracting eligible medical expenses (like the cost of nursing home care) from the total income. If the balance is less than $2,022 your mother in law would be income eligible.
With the cost of NH care so high, if you're in a "spend down" State, Cat is correct. All but a very small portion of her income will go to the NH to cover her costs of care. Some States only allow a $35 personal needs allowance as Cat mentions. Others provide a bit more. Texas is $60.
If you're MIL lives in a "spend down" state, income qualification should be easy. If she lives in one of the twenty-one states that don't use the income spend down method, you may need a "Qualifying Income Trust" to get her financially eligible. Unless your State provides a prototype, you'll need to hire an attorney.
The business office managers should know if your MIL's State Medicaid program requires a "qualified income trust". For others reading this post, a word of caution: social workers and business office managers are not necessarily experts on your State's Medicaid rules. Be very careful relying on any advice they may offer. If you have any assets to speak of, have made any gifts or transfers of accounts or property or have income over the limit, spend a few bucks with an experienced elder law attorney. The peace of mind will be well worth the money
If she has no assets both currently and through your states look-back period, and receives a total of $2096.00 from the VA & SS then she would probably qualify if she neded skilled care. If there were no assets there would be no spend-down, however she would be responsible for paying her 'share of cost' based on her income. So if the SNF monthly charges were $4096, and her income was $2096 her share of cost would be her monthly income less $35.00 spending money for a total $2041.00. In other words her checks go towards covering the costs
If she did have assets during the lookback period be prepared to document everything. A good thing to remember when you are providing documents to yours state medi-caid office is to keep 3 extra copies, send everything certified and when providing copies of any bank or financial statements give them ALL the pages even if the last one is blank (so check the page numbering - pg 1 of 4, means you would send 4 consecutive pages).