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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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And, the "exempt asset" part lasts only as long as they express an intent to return home. It can be unrealistic but most people do. If the house is then sold, the money would go for her ongoing care or care expenses.
Now, that said, there are some cases where a long-term live-in caregiver has some rights to stay in the home after caregiving ends, but you'd have to check that out in your state in advance.
OK, if parent puts all their money into buying a home then is left with less than $2000, you could get Medicaid to pay for the nursing home. Then you live in the house rent free, except you have to pay the taxes, utilities and upkeep. This plan works great because the house is an exempt asset. One car is also an exempt asset. Then when they die you inherit the house and car? Yes! and you also inherit the entire nursing home bill, which is attached to their estate, called a "lien".
LV - For Medicare, assets & income do not matter. Medicare is a general entitlement that most of us qualify for as we have been paying into it via FICA, and which we can apply to enroll into right before age 65. Once retired and on SS, Medicare for almost all continues to get a monthly premium deducted from your SS check.
But Medicaid is probably what you are thinking about. For Medicaid, it is a "needs based" entitlement which is administered uniquely by each state within an overall federal guideline. For Medicaid you have to be eligible BOTH financially (basically impoverished) and medically (for NH admits would be needing skilled nursing care with documentation showing this and doctors orders for it). Medicaid is what gets applied for to pay for LTC in a NH as NH is a dedicated funding for Medicaid. States can do waiver programs with Medicaid and through those they can pay for AL, in-home health services, etc.
By & large for Medicaid they can own a home (within certain value) and a car. But the state is required to attempt a recovery of all costs paid by Medicaid from the individuals estate (MERP). Buying a home now if it is looking like he is going to need Medicaid in the near future, to me, just doesnt make financial sense. If it;s looking like he is going to need to be in a facility (NH, AL) rather than needing community based Medicaid services for years & years, his buying & having a home really really doesn;t make sense as LTC Medicaid in a facility requires them to do a co-pay or SOC (share of cost) of ALL THEIR MONTHLY INCOME each month to the NH except for a smallish personal needs allowance. They will have no - none - nada of $ anymore to pay for anything on that house. So to keep the house someone in the family will have to pay every cost (taxes, insurance, maintenance, etc) from day 1 of Medicaid till beyond their death and deal with MERP, probate, etc.
This site has really good articles on the M&M's. Try to read up so you understand how they work together but are very different.
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.
Now, that said, there are some cases where a long-term live-in caregiver has some rights to stay in the home after caregiving ends, but you'd have to check that out in your state in advance.
This plan works great because the house is an exempt asset. One car is also an exempt asset.
Then when they die you inherit the house and car? Yes! and you also inherit the entire nursing home bill, which is attached to their estate, called a "lien".
But Medicaid is probably what you are thinking about. For Medicaid, it is a "needs based" entitlement which is administered uniquely by each state within an overall federal guideline. For Medicaid you have to be eligible BOTH financially (basically impoverished) and medically (for NH admits would be needing skilled nursing care with documentation showing this and doctors orders for it). Medicaid is what gets applied for to pay for LTC in a NH as NH is a dedicated funding for Medicaid. States can do waiver programs with Medicaid and through those they can pay for AL, in-home health services, etc.
By & large for Medicaid they can own a home (within certain value) and a car. But the state is required to attempt a recovery of all costs paid by Medicaid from the individuals estate (MERP). Buying a home now if it is looking like he is going to need Medicaid in the near future, to me, just doesnt make financial sense. If it;s looking like he is going to need to be in a facility (NH, AL) rather than needing community based Medicaid services for years & years, his buying & having a home really really doesn;t make sense as LTC Medicaid in a facility requires them to do a co-pay or SOC (share of cost) of ALL THEIR MONTHLY INCOME each month to the NH except for a smallish personal needs allowance. They will have no - none - nada of $ anymore to pay for anything on that house. So to keep the house someone in the family will have to pay every cost (taxes, insurance, maintenance, etc) from day 1 of Medicaid till beyond their death and deal with MERP, probate, etc.
This site has really good articles on the M&M's. Try to read up so you understand how they work together but are very different.