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Which best describes their mobility?
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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.
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I'm working full time and have a 401K. Can it be seized to pay for the nursing home? If we are legally separated, not divorced, can it still be seized? We are in Minnesota.
Will your husband be self-pay in a nursing home, or will he be applying for Medicaid?
Medicaid considers all assets of both spouses when evaluating applications. Your 401K will be considered an asset. I don't know the impact of separation or divorce.
I'm not sure what you mean by "seized." Nursing homes expect to be paid. They can discharge you if you don't pay.
Medicaid does not seize money. You may need to spend some of your assets to be eligible, but you spend them on yourselves, not give them to Medicaid. The program is set up to avoid impoverishing the community spouse.
Call the Senior Linkage line to get information about options for you and your husband. And then consult an attorney who specializes in Elder Law. This will be an expense, but making mistakes at this point could be more expensive. The lawyer will be able to tell you Medicaid's rules concerning legal separation and divorce.
F - it's good that you are thinking of all this now & hopefully way way ahead of needing medicaid. To me, dealing with Medicaid for an individual is pretty straightforward & can be done by family for their elder. Their medically at need and impoverished. BUT for community spouse situations like yours, it's pretty complex and really you need an experienced elder law atty to work with you to do the whatever's to get the $&assets to best provide for you & him. I'd suggest you look for a NAELA atty.
Also layer on the reality that as time progresses, you are going to be focused on his day to day and really can't be trying to figure put how to split up the 401 after a full day of work and dealing with dementia spouse......
Do realize this, Medicaid does NOT require the CS/community spouse (you) to yourself become impoverished for hubs to become eligible for medicaid. But how to do that isn't a simple recipe, it needs an NAELA atty to structure, change, swap assets to do so & often with working with others like a CPA for a financial adviser/broker.
For example, CS income is not looked at for hubs eligibility & CS can have usually 119k in assets. So what do you do if you all have 200k in assets & your income alone does not cover your costs to live in the community? What an atty might suggest is for the 81k overage in assets turns into a Medicaid compliant SPIA in the CS name which is an income stream for the CS (so not an asset of hubs) & if the CS still does not have enough $ to cover her costs to live in the community then atty files for you to get CSRA (community spouse resource allowance) which means $ pulled from hubs income required copay to the NH and instead goes to you. Neither a SPIA or CRSA is a DIY project. Really if you can over this summer (Happy Memorial day too & wear sunblock!) get together all your finances and schedule an NAELA appointment to come up with a do-able plan for your future.
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.
Medicaid considers all assets of both spouses when evaluating applications. Your 401K will be considered an asset. I don't know the impact of separation or divorce.
I'm not sure what you mean by "seized." Nursing homes expect to be paid. They can discharge you if you don't pay.
Medicaid does not seize money. You may need to spend some of your assets to be eligible, but you spend them on yourselves, not give them to Medicaid. The program is set up to avoid impoverishing the community spouse.
Call the Senior Linkage line to get information about options for you and your husband. And then consult an attorney who specializes in Elder Law. This will be an expense, but making mistakes at this point could be more expensive. The lawyer will be able to tell you Medicaid's rules concerning legal separation and divorce.
Also layer on the reality that as time progresses, you are going to be focused on his day to day and really can't be trying to figure put how to split up the 401 after a full day of work and dealing with dementia spouse......
Do realize this, Medicaid does NOT require the CS/community spouse (you) to yourself become impoverished for hubs to become eligible for medicaid. But how to do that isn't a simple recipe, it needs an NAELA atty to structure, change, swap assets to do so & often with working with others like a CPA for a financial adviser/broker.
For example, CS income is not looked at for hubs eligibility & CS can have usually 119k in assets. So what do you do if you all have 200k in assets & your income alone does not cover your costs to live in the community? What an atty might suggest is for the 81k overage in assets turns into a Medicaid compliant SPIA in the CS name which is an income stream for the CS (so not an asset of hubs) & if the CS still does not have enough $ to cover her costs to live in the community then atty files for you to get CSRA (community spouse resource allowance) which means $ pulled from hubs income required copay to the NH and instead goes to you. Neither a SPIA or CRSA is a DIY project. Really if you can over this summer (Happy Memorial day too & wear sunblock!) get together all your finances and schedule an NAELA appointment to come up with a do-able plan for your future.