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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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One thing to keep in mind is that although Medicaid is a joint federal & state program, each state administers their Medicaid programs uniquely. Due to this each state’s administrative code and laws coming into play on just what & how actions can happen on assets - like their home or if they have a life insurance that has estate as the beneficiary- of the Medicaid recipients both when alive & after they die
For those that go onto Medicaid after age 55, states are required now to have a defined system aka MERP or MERS to attempt recovery or a recoup of $ spent from the estate of the deceased. Some states do this internally by state workers usually within whatever is the Health& Human Services division or the states Atty Gen dept, so if your state moves glacially the notification and actions on the house could take till whenever. I know of someone in MS who is Executor for a SILs and it’s been 3 years and they cannot get a definite from the state employees on how to deal with.... they have stopped paying insurance & property taxes ($3500 annual), pulled the meters & it’s going blighted.
While other states have turned Recovery over to an outside contractor. The outside contractor approach is abt 1/3++ of the states, with HMS & PNG as the two biggest contractors in the US. Imho it’s similar to the debt collection playbook as to how done & the contractors get a % of the recovery. Contractor approach is much more on a time sensitive system with NOI (Notice of Intent) and a questionnaire sent out between 2 -4/6 mos after death. If no response to the NOI / questionnaire, the debt is assumed to be valid so lien could be placed. But family / heirs / Executor can via answers in the questionnaire file for exemptions, exclusions to what the contractor says is owed. And they can required validation of the debt, and in detail, just like you do to challenged any other debt collections. And then you can open probate and take it into that system.
But just how recovery can be done when it comes to property gets very much in the weeds as to your states laws. Some states are very pro-property rights (FL, TX) and a lien cannot be placed onto property while they are alive, so becomes an after death process & if family /heirs open probate then probate court & rules come into play. Other states allow the lien placed once on Medicaid. It’s is your states follows Tefra or is non-Tefra lines.
If an elder wants to keep their home by & large they can. The rub will be that due to Medicaid copay requirements they will have no $ to pay any property costs. So it all falls to family or heirs to pay & from day 1 of Medicaid till whenever you get thru MERP or close probate. It becomes a wallet or purse issue and runs a risk of things not turning out like your expect. But if you want to honor your elders wishes and you can afford it and doing do makes sense for your situation and you kinda don’t mind risk, go for it.
I’v been on this forum for a while & what happens is family is all govmint not gonna take ma’s house but 6 mos later when insurance, taxes and blight Notice gets filed by county, family gets totally over the place and put it up for sale. If you do this imho you have to be in it for the l...o...n...g haul and have the purse & sense of humor to do it along with having a Estate atty who did a solid will & probate atty who understands MERP for your state. $$wise to me it’s like having a 2nd home but without ownership so runs risk. Most folks cannot afford a 2nd home. Really look at the costs before you tell your elder that you promise to always keep the old family homestead.
One member said it took 3 yrs. By that time the house had been sold. The member hasn't come back to tell us what happen.
Me personally, it took 18 months but that was because I contacted Medicaid. Seems what should have happened was the paperwork goes to the NH. They are suppose to fill in the info of the person that represented Mom. Then Medicaid contacts me but this was not done.
Because I had Moms house for sale, after her death I requested information, from Moms caseworker, on what was owed so I knew how much I needed to get for the house. When it became evident that Moms house was not going to sell and a tax lean was on it but no Medicaid lean I contacted Medicaid. I told them if the house went to Sheriffs sale, they had no lean to recoup their money. I didn't want it coming back on me years later as the Executor. I was sent the paperwork, I filled it out, and have now received a letter saying a lean has been placed on the property.
I feel that when you know a person was on Medicaid and a lean does not show up on a title search, its up to the person selling the property to get the Medicaid info.
So lien is after death. Somehow my siblings convinced my Dad to pay off my Mother's mortgage, ($110,000). He's also paying for all yard/home maintenance, property taxes ($3000/yr), insurance ($300/mo), etc. My parents have been divorced since 1990, but over the years became friends. Dad is 84. All this being done to keep the property in the family. I'm not involved nor do i agree w this decision. This is Medicaid Fraud. I think an unoccupied home should be sold to pay for Mom's NH care. Thank you for your reply
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 those that go onto Medicaid after age 55, states are required now to have a defined system aka MERP or MERS to attempt recovery or a recoup of $ spent from the estate of the deceased. Some states do this internally by state workers usually within whatever is the Health& Human Services division or the states Atty Gen dept, so if your state moves glacially the notification and actions on the house could take till whenever. I know of someone in MS who is Executor for a SILs and it’s been 3 years and they cannot get a definite from the state employees on how to deal with.... they have stopped paying insurance & property taxes ($3500 annual), pulled the meters & it’s going blighted.
While other states have turned Recovery over to an outside contractor. The outside contractor approach is abt 1/3++ of the states, with HMS & PNG as the two biggest contractors in the US. Imho it’s similar to the debt collection playbook as to how done & the contractors get a % of the recovery. Contractor approach is much more on a time sensitive system with NOI (Notice of Intent) and a questionnaire sent out between 2 -4/6 mos after death. If no response to the NOI / questionnaire, the debt is assumed to be valid so lien could be placed. But family / heirs / Executor can via answers in the questionnaire file for exemptions, exclusions to what the contractor says is owed. And they can required validation of the debt, and in detail, just like you do to challenged any other debt collections. And then you can open probate and take it into that system.
But just how recovery can be done when it comes to property gets very much in the weeds as to your states laws. Some states are very pro-property rights (FL, TX) and a lien cannot be placed onto property while they are alive, so becomes an after death process & if family /heirs open probate then probate court & rules come into play. Other states allow the lien placed once on Medicaid. It’s is your states follows Tefra or is non-Tefra lines.
If an elder wants to keep their home by & large they can.
The rub will be that due to Medicaid copay requirements they will have no $ to pay any property costs. So it all falls to family or heirs to pay & from day 1 of Medicaid till whenever you get thru MERP or close probate. It becomes a wallet or purse issue and runs a risk of things not turning out like your expect. But if you want to honor your elders wishes and you can afford it and doing do makes sense for your situation and you kinda don’t mind risk, go for it.
I’v been on this forum for a while & what happens is family is all govmint not gonna take ma’s house but 6 mos later when insurance, taxes and blight Notice gets filed by county, family gets totally over the place and put it up for sale. If you do this imho you have to be in it for the l...o...n...g haul and have the purse & sense of humor to do it along with having a Estate atty who did a solid will & probate atty who understands MERP for your state. $$wise to me it’s like having a 2nd home but without ownership so runs risk. Most folks cannot afford a 2nd home. Really look at the costs before you tell your elder that you promise to always keep the old family homestead.
Me personally, it took 18 months but that was because I contacted Medicaid. Seems what should have happened was the paperwork goes to the NH. They are suppose to fill in the info of the person that represented Mom. Then Medicaid contacts me but this was not done.
Because I had Moms house for sale, after her death I requested information, from Moms caseworker, on what was owed so I knew how much I needed to get for the house. When it became evident that Moms house was not going to sell and a tax lean was on it but no Medicaid lean I contacted Medicaid. I told them if the house went to Sheriffs sale, they had no lean to recoup their money. I didn't want it coming back on me years later as the Executor. I was sent the paperwork, I filled it out, and have now received a letter saying a lean has been placed on the property.
I feel that when you know a person was on Medicaid and a lean does not show up on a title search, its up to the person selling the property to get the Medicaid info.
Somehow my siblings convinced my Dad to pay off my Mother's mortgage, ($110,000). He's also paying for all yard/home maintenance, property taxes ($3000/yr), insurance ($300/mo), etc. My parents have been divorced since 1990, but over the years became friends. Dad is 84. All this being done to keep the property in the family. I'm not involved nor do i agree w this decision. This is Medicaid Fraud. I think an unoccupied home should be sold to pay for Mom's NH care. Thank you for your reply