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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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Great advice above. If you have assets, there are so many things to to figure out. There are many rules and exceptions to rules....I'd find an attorney who knows what they are talking about and can advise you, based on your particular circumstances, so you don't get any surprises. A lot of people can tell you this or that, but I'd want something more than a third hand story or something that may not be applicable in your state.
Warren - the whole Community Spouse situation for Medicaid is complex. It is not ever a DIY project IMHO. You need a elder law atty & I'd suggest yiu get one that is NAELA or CeLA certified.
For the caregiver spouse, you have so much going on in just caregiving & putting out fires, that you can't do it all. A good atty will know what to do to enable your bride to get Medicaid and maximize your own long term financial situation.
It's things you don't think about that can poses huge problems. Like most couples have each other as beneficiary of their life insurance. But if you should predecease her, that life insurance $ will make her ineligible for Medicaid and just who is going to deal with all this for her? Your gone, so who? The atty will come up with options as to what to do with insurance, etc. Often the policy beneficiary gets changed to a medicaid compliant special needs trust for the NH spouse - which is not a DIY.
For a son or daughter doing their widow or widower parents Medicaid application can IMO be totally done if you've been involved in thier life. It's still a butt rash but do-able. But for a CS you need a pro to guide you as to options & that means elder law atty.
Warren, if you are applying for Institutional Medicaid for your wife (so that she can be cared for in a NH, for example), you, as the Community Spouse are allowed to keep some assets and income.
You need to talk to a certified Eldercare attorney to understand this better.
Warren, are you applying for Medicaid for yourself or for your wife only? Only your wife needs to apply since she is the one who would benefit right now, especially if she needs continuing care at a facility.
You really need to talk to an Elder Law Attorney who would give you advice according to the State you live in.... each State has their own rules, regulations, and programs.
It's good you are thinking ahead and trying out different scenarios. But try to take one step at a time, I know from your previous postings you are really worried, and you have a right to be.
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.
For the caregiver spouse, you have so much going on in just caregiving & putting out fires, that you can't do it all. A good atty will know what to do to enable your bride to get Medicaid and maximize your own long term financial situation.
It's things you don't think about that can poses huge problems. Like most couples have each other as beneficiary of their life insurance. But if you should predecease her, that life insurance $ will make her ineligible for Medicaid and just who is going to deal with all this for her? Your gone, so who? The atty will come up with options as to what to do with insurance, etc. Often the policy beneficiary gets changed to a medicaid compliant special needs trust for the NH spouse - which is not a DIY.
For a son or daughter doing their widow or widower parents Medicaid application can IMO be totally done if you've been involved in thier life. It's still a butt rash but do-able. But for a CS you need a pro to guide you as to options & that means elder law atty.
You need to talk to a certified Eldercare attorney to understand this better.
You really need to talk to an Elder Law Attorney who would give you advice according to the State you live in.... each State has their own rules, regulations, and programs.
It's good you are thinking ahead and trying out different scenarios. But try to take one step at a time, I know from your previous postings you are really worried, and you have a right to be.