Are you sure you want to exit? Your progress will be lost.
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.
✔
I acknowledge and authorize
✔
I consent to the collection of my consumer health data.*
✔
I consent to the sharing of my consumer health data with qualified home care agencies.*
*If I am consenting on behalf of someone else, I have the proper authorization to do so. By clicking Get My Results, you agree to our Privacy Policy. You also consent to receive calls and texts, which may be autodialed, from us and our customer communities. Your consent is not a condition to using our service. Please visit our Terms of Use. for information about our privacy practices.
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:
It IS possible to protect the house from Medicaid liens and estate recovery! First of all, in some states, the deed simply needs to reflect that upon the owner's death the house passes by right of survivorship to someone else. In all states, if the house has been in an irrevocable trust for at least 5 years before the owner applies for Medicaid, then there is no transfer penalty AND there is no estate recovery possible against the house.
However, if the owner needs to apply before that five-year period is over, then they may be stuck owing the government for its Medicaid outlays on the owner's behalf. Thus, early planning is vital!
I discuss all of these techniques in my eBook "Protecting Your Home--Estate Recovery", I highly recommend this to you. Best of luck!
I congratulate you for planning ahead but I would consult an elder law attorney for this. Every state has its own laws. The sooner you have this figured out the better. Best wishes, Carol
The "hinge" is if yougo to a rest home. If you pay your own way, then the house is not an issue...If you go on Medicaid, then Medicaid will want their outlay to be repayed when you die, and that would likely include their going after your house. Having it in a trust may help you shield it from being taken by Medicaid... Your heirs have no stake in this issue as I see it..If your "trust" shields something for them, good for them..If not, look at the bright side that you will be cared for.
As an aside, my wife has been on Medicaid since June, 2009 and has been in full nursing care since...That has saved us roughly one half million dollars, more or less. Our house has a market value of about $150K...Seems like a pretty good deal for us.
I agree that you need to see a lawyer, be even then you may not be able to secure the house for you son. Even with a LTC policy. You need to be aware that even if you have a long term care policy, they may not cover the entire cost of long term care. We looked into buying one for ourselves after seeing how things went for my folks. The cost of the LTC policy was far more than we could ever afford anyway and the amount it would have covered (at that future time) would have been thousands of dollars less per month than care would cost (even now). Meaning our assets would be eaten up by the care costs anyway (although slightly slower, but not by much).. So it was a choice of: live like paupers now, and IF we live to need LTC, then use up all our assets eventually anyway; OR skip the LTC insurance, keep going on a short vacation each year, enjoy our moderate life, and be as generous to our children now as we can handle, while there is still enough time that any gifts won't fall into the "look back time."
One plan is to try to stay in your home for the rest of your life, maybe have your son come in to help take care of you. But that isn't always possible.
Another plan is if you need a higher level of care, such as Assisted Living, then one may have to sell their house and use the equity to pay for such care. My Dad sold his house, and used to self pay for his care.
Another plan is to apply for Medicaid. But later on Medicaid would like to be paid for all the money spent on your care. If you have a house, it is only fair once you have passed, that the house is sold and Medicaid takes what they need to pay your bill. Otherwise, us taxpayers would be paying for your care.
A Certified Elder Law Attorney who specializes in asset protection may be able to help you. nelf.org. You need to start planning immediately if you want to protect your house.
That, ideally, is what we all want, pass our assets to our children. My mom has a trust and the house is part of it. However, she did not have much in the way of cash assets. She thought the trust would protect them. It doesn't. Her solution was to purchase a long term care policy that would have paid for assisted living, memory care, nursing home for a set number of years. I say "would have" because she either forgot to pay the bill (she was diagnosed with dementia about eleven years ago) or she decided her good planning for old age would not be needed (also could easily be due to dementia). The long term policy lapsed, she had paid into it for about ten years. Then it was money down the drain, you do not get those premiums back and once diagnosed you cannot purchase or reinstate a LTC policy.
She has now gone through her cash assets and is spending down the assets from her house to pay for her care. When those are gone there will be a need to apply for Medicaid. Sad, isn't it?
So, my advice, purchase a LTC policy, have someone else responsible for payment of the premium in case you develop dementia. Medicaid allows the ownership of one car and one home. The home has the potential to provide income if rented making less money necessary from Medicaid each month. Any shortage would be paid by taxpayers, then upon your death there would be a lien on the home by Medicaid to recover monies spent by all of us for your care.
Ferris is correct in referring to construction or workers' liens. I believe that was the ONLY aspect of liens to which she was referring. She prefaced her comments by stating she wasn't exactly sure what the OP was referring to.
Frankly, neither was I. The OP didn't distinguish between Medicaid or any other type of nonmedical care lien.
While I understand that most folks want to be able to leave something for their children, how many of us really understand that Medicaid is to benefit those who don't have trusts, or CD's, or multiple homes, or thousands in the bank. I don't mean to be rude, but if Medicaid money is used to help a person that is able to help themselves, what will be available for those of us who follow? For those of us who don't own homes, etc. Medicaid is meant to help people who are financially unable to take care of themselves in their elder years.
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.
However, if the owner needs to apply before that five-year period is over, then they may be stuck owing the government for its Medicaid outlays on the owner's behalf. Thus, early planning is vital!
I discuss all of these techniques in my eBook "Protecting Your Home--Estate Recovery", I highly recommend this to you. Best of luck!
Best wishes,
Carol
As an aside, my wife has been on Medicaid since June, 2009 and has been in full nursing care since...That has saved us roughly one half million dollars, more or less. Our house has a market value of about $150K...Seems like a pretty good deal for us.
Grace + Peace,
Bob
Another plan is if you need a higher level of care, such as Assisted Living, then one may have to sell their house and use the equity to pay for such care. My Dad sold his house, and used to self pay for his care.
Another plan is to apply for Medicaid. But later on Medicaid would like to be paid for all the money spent on your care. If you have a house, it is only fair once you have passed, that the house is sold and Medicaid takes what they need to pay your bill. Otherwise, us taxpayers would be paying for your care.
You need to start planning immediately if you want to protect your house.
She has now gone through her cash assets and is spending down the assets from her house to pay for her care. When those are gone there will be a need to apply for Medicaid. Sad, isn't it?
So, my advice, purchase a LTC policy, have someone else responsible for payment of the premium in case you develop dementia. Medicaid allows the ownership of one car and one home. The home has the potential to provide income if rented making less money necessary from Medicaid each month. Any shortage would be paid by taxpayers, then upon your death there would be a lien on the home by Medicaid to recover monies spent by all of us for your care.
Frankly, neither was I. The OP didn't distinguish between Medicaid or any other type of nonmedical care lien.
See All Answers