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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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I acknowledge and authorize
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I consent to the collection of my consumer health data.*
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I consent to the sharing of my consumer health data with qualified home care agencies.*
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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.
Share a few details and we will match you to trusted home care in your area:
They want to be able to determine if there is missing assets or income.
It is a balancing feature that helps detect cheaters. That is why they want information on deposits.
The thing is, if you don't agree and comply, they just deny assistance. It is just easier to follow their rules, even when it doesn't make sense to you. They hold all the power.
Historical is all about detecting assets transferred to others, as that means $ that applicant could spend for their own needs has instead gone to others - so if that happened there’s a transfer penalty done.
Current income & assets are about - determining copay elder must pay to NH from mo income (like SS) - flagging if there are exempt assets (home, car) that they are keeping as those will become nonexempt assets of their estate after death & this info goes to however your state does MERP/ estate recovery - if current income is within limits & if home / car is under property value limit. If over, their ineligible. This lil missive actually is a problem as house value max 500-550k most states & lots of elders have homes that are above this which they don’t think about as they bought in 1970s for 85k & their taxes are frozen so value doesn’t come up.
If you are about to or amidst doing the LTC Medicaid application for an elder, please realize that financial info - like years of bank statements- are just a part of what gets reviewed. You submit items, BUT State has elders name, SS#, address. So caseworker can in just a few keystrokes do a match up with city, county, state databases. & for their spouse as well (dead or alive). Anything that has a tax placed - home, land, autos - will be in database. So if MeeMaw sold her home or gave old car to grandkid - even if 4.5 years ago - that info will be in database.
If your state does an IRS matchup, or you have state income tax, then that info too will be there. So things that reported to irs but are not an obvious asset will pop up. Like interest, royalty or dividend paid. Even if they did not file taxes the year $ was paid. Really include everything in the initial paperwork.
Also keep in mind that states do recertifications/ renewals. It is not once & done for LTC Medicaid eligibility. The renewal will ask for some of the same info required initially as well as 3-4 months of current banking based on date of letter from the state - like preneed funeral stuff, like insurance policy details. And for more fun in this, the timeframe to submit - if it’s like our was - is pretty tight. Like 14-21 days from date of letter. So whatever your gathering up for the application now keep handy & get a binder going to put new stuff in every month. I had no idea renewals happened & had all packed with various other mom photos & trinkets & in storage, that was nothing but beyond f...u...n weekend
Medicare is checking for the spending over these last years, esp. gift of money to anyone that has decreased your own assets. If you have, say, given away tons of money for your granddaughter's siding problems, your grandson's college education, and etc. that will not do. They will not question spending that you have done on your own home, on repairs, on vacations, on your own food, and housing and care, and etc. Only on what you have given away. So, for instance, say you KNEW you were getting older, and you decided to give away 14,000 to your daughter and your son-in-law and your three grandchildren on a yearly basis, so that when you needed care the State could step in and take over. (Bad as THAT decision would have been). That wouldn't fly. In California the lookback is only two years. However, who can afford to live here?
They require both deposits and withdrawals to make certain the person did not gift their money to others in order to avoid their money being available for their own care. In California the look back is two years.
Bank statements will show deposits and withdrawals. Medicaid looks for inconsistency. Usually its the withdrawals they look at. Any large amounts they will want to know why. They want to make sure no "gifts" were made. That money that was spent was for the the applicant. Ot sure why deposits would be of any importance.
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.
It is a balancing feature that helps detect cheaters. That is why they want information on deposits.
The thing is, if you don't agree and comply, they just deny assistance. It is just easier to follow their rules, even when it doesn't make sense to you. They hold all the power.
Current income & assets are about
- determining copay elder must pay to NH from mo income (like SS)
- flagging if there are exempt assets (home, car) that they are keeping as those will become nonexempt assets of their estate after death & this info goes to however your state does MERP/ estate recovery
- if current income is within limits & if home / car is under property value limit. If over, their ineligible. This lil missive actually is a problem as house value max 500-550k most states & lots of elders have homes that are above this which they don’t think about as they bought in 1970s for 85k & their taxes are frozen so value doesn’t come up.
If you are about to or amidst doing the LTC Medicaid application for an elder, please realize that financial info - like years of bank statements- are just a part of what gets reviewed.
You submit items, BUT State has elders name, SS#, address.
So caseworker can in just a few keystrokes do a match up with city, county, state databases. & for their spouse as well (dead or alive). Anything that has a tax placed - home, land, autos - will be in database. So if MeeMaw sold her home or gave old car to grandkid - even if 4.5 years ago - that info will be in database.
If your state does an IRS matchup, or you have state income tax, then that info too will be there. So things that reported to irs but are not an obvious asset will pop up. Like interest, royalty or dividend paid. Even if they did not file taxes the year $ was paid.
Really include everything in the initial paperwork.
Also keep in mind that states do recertifications/ renewals. It is not once & done for LTC Medicaid eligibility. The renewal will ask for some of the same info required initially as well as 3-4 months of current banking based on date of letter from the state - like preneed funeral stuff, like insurance policy details. And for more fun in this, the timeframe to submit - if it’s like our was - is pretty tight. Like 14-21 days from date of letter. So whatever your gathering up for the application now keep handy & get a binder going to put new stuff in every month. I had no idea renewals happened & had all packed with various other mom photos & trinkets & in storage, that was nothing but beyond f...u...n weekend
They will not question spending that you have done on your own home, on repairs, on vacations, on your own food, and housing and care, and etc. Only on what you have given away. So, for instance, say you KNEW you were getting older, and you decided to give away 14,000 to your daughter and your son-in-law and your three grandchildren on a yearly basis, so that when you needed care the State could step in and take over. (Bad as THAT decision would have been). That wouldn't fly.
In California the lookback is only two years. However, who can afford to live here?