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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.
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I am not real sure that is a good idea. When your mom passes, Medicaid will do a 5-7 yr audit of your mom's finances in order to recoup some of their expenses while she was on Medicaid.
They will see this transaction and flag it. You may have to pay this back if it cannot be justified. Moving it may be okay but I wouldn't spend it on yourself.
When my wife's gmother passed, her daughters had to pay back some money they transferred to their accounts in a similar fashion. One transaction was only $20. So tread cautiously.
The stimulus check doesn't disqualify anyone from medicaid and is to be used as you wish to use it. Look up "stimulus check and medicaid eligibility" so you can see it in black and white. "The Stimulus checks do not count as income, and therefore do not impact Medicaid beneficiaries or applicants. However, should the stimulus money not be spent within 12 months, it will be counted as an asset, and therefore could impact eligibility in the year ahead." That was pulled directly from:
https://www.medicaidplanningassistance.org/covid-19-stimulus-checks-impact/ So don't worry; use it as you like.
This is from the "National Center on Law and Elder rights":
"In addition, the stimulus payment does not count as a Medicaid resource for 12 months. In other words, for the first year, the payment cannot cause you to have “too much” savings. EXAMPLE: An unmarried resident receives $1,050 monthly Social Security benefit and has $1,800 in savings. Each month she pays the nursing facility $1,000 from her income, and keeps $50 for personal needs. After receiving the $1,200 stimulus payment in May 2020, her payment obligation to the nursing facility does not change. She continues to pay $1,000 monthly. After receiving the stimulus payment, her savings will increase from $1,800 to $3,000. To retain Medicaid eligibility, she must spend down her savings to under $2,000 within a year—before May 2021. Are There Restrictions on How I Can Spend the Stimulus Money? In general, a resident can spend the stimulus money as they wish, including gifts and charitable contributions. This is the resident’s money to spend on their wants and needs."
This was for the 1200 received in May. I would think that the 600 just received will need to be used by January 2022.
You don't have to "spend it down" because part of it is that the monies are tax exempt and they do not interfere with the receiving of government benefits (Medicaid, SNAP, SSI, rent subsidy). It is not owed to a nursing home as income and is also not included in a Medicaid spend down.
I am a Power of Attorney for someone in a nursing home - I have provided her with everything she could possibly use so it sits in her personal account. I talked with Medicaid and asked if it would jeopardize her Medicaid status. They said no in view of where the money came from. Just use it for her if she needs anything. Otherwise just leave it in her personal account and if she passes, give the excess money back to medicaid and there would be NO problems to keep medicaid. Thank god - so that is what am going to do. She is in New Jersey.
I was told that it can sit there in her account for 1 year. When that year is up it is then countable assets. That's where I am having a problem. She has a lot to use and only until April to use it. That is the one year date from when she got it.
If a Medicaid resident is over-resourced (too much money) they have 30 days to spend it down without affecting their Medicaid status! They can spend the money on anything for themselves, for example, clothes, new tv, recliner, glasses, hearing aids, dentures.
Note: Even if they owe the nursing home money the home cannot take this money without the resident giving permission for them to do so! If your loved one tells you the nursing home is requesting this money, explain to them that the home has no right to this money it is for their personal use. If the residents understand this and agree to give the money to the home, it is their choice but make sure the home is not pressuring or telling them they are owed that money, they are NOT!
As already answered, it doesn't count as income at all, and it doesn't count as an asset unless you leave it for more than a year.
So, spend it before the year is up. Prepaid final expenses as mentioned already. Glasses, hearing aids, dental care, lift chair, scooter or fancy walker ...
Clothing (6 identical "favorite" sweaters for when they are lost/damaged by laundry service?), warm lap blanket, Echo show for video calls with family, a prepaid year of Audible books or music, Harry & David pears or Lindt truffles or fresh flowers, Keurig machine and chai latte or hot chocolate pods
I echo the advice and link to medicaidplanningassistance.org. Bottom line, you have a year from date of receipt to spend the stimulus -- or else it becomes an asset that can disqualify the person from Medicaid. Ideas: burial account ($1500 in Mass.), headstone down payment, charity donations, gifts to grandchildren. I got pizzas for the nursing home staff. Some ideas I got from my mum's nursing home director: flowers for mum's room, clothes. I got some adaptive tops, pants, and nightgowns to make dressing easier (Google "adaptive clothing"). Do NOT use it to buy US bonds, stocks, collectible coins, etc., which would become assets.
In Ohio I was told by the Medicaid LTC worker that residents had one year to the date the stimulus check was received to spend it. Resident could spend the funds any way they choose. So if they wanted to give it to a charity or give a gift to family member they could. Of course I kept the email from the agency.
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.
They will see this transaction and flag it. You may have to pay this back if it cannot be justified. Moving it may be okay but I wouldn't spend it on yourself.
When my wife's gmother passed, her daughters had to pay back some money they transferred to their accounts in a similar fashion. One transaction was only $20. So tread cautiously.
https://www.medicaidplanningassistance.org/covid-19-stimulus-checks-impact/ So don't worry; use it as you like.
"In addition, the stimulus payment does not count as a Medicaid resource for 12 months. In other
words, for the first year, the payment cannot cause you to have “too much” savings.
EXAMPLE:
An unmarried resident receives $1,050 monthly Social Security benefit and has $1,800 in savings. Each
month she pays the nursing facility $1,000 from her income, and keeps $50 for personal needs.
After receiving the $1,200 stimulus payment in May 2020, her payment obligation to the nursing facility
does not change. She continues to pay $1,000 monthly.
After receiving the stimulus payment, her savings will increase from $1,800 to $3,000. To retain
Medicaid eligibility, she must spend down her savings to under $2,000 within a year—before May 2021.
Are There Restrictions on How I Can Spend the Stimulus Money?
In general, a resident can spend the stimulus money as they wish, including gifts and charitable
contributions. This is the resident’s money to spend on their wants and needs."
This was for the 1200 received in May. I would think that the 600 just received will need to be used by January 2022.
Note: Even if they owe the nursing home money the home cannot take this money without the resident giving permission for them to do so! If your loved one tells you the nursing home is requesting this money, explain to them that the home has no right to this money it is for their personal use. If the residents understand this and agree to give the money to the home, it is their choice but make sure the home is not pressuring or telling them they are owed that money, they are NOT!
So, spend it before the year is up. Prepaid final expenses as mentioned already. Glasses, hearing aids, dental care, lift chair, scooter or fancy walker ...
Clothing (6 identical "favorite" sweaters for when they are lost/damaged by laundry service?), warm lap blanket, Echo show for video calls with family, a prepaid year of Audible books or music, Harry & David pears or Lindt truffles or fresh flowers, Keurig machine and chai latte or hot chocolate pods
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