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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
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Their married so all assets whether just his or just hers does not matter.
But Medicaid does NOT require dad as the community spouse to himself become impoverished. Only mom must meet Medicaids financial impoverishment requirement of 2k in assets and under whatever Medicaid has for monthly income max (abt $2,050). Dads income is NOT a factor in her Medicaid eligibility.
Grem - how much above 120k in assets do your folks have? 119k is kinda the overall standard in most states for the CS (dad) to have to totally keep as his CS asset. Now $ may need to be shifted out of mom’s own lil personal in just her SS# savings account or stocks or other investments over to Dads to beef it up to get to the magical 119k but they can do this if done BEFORE the Medicaid application filed. But doing stuff like this may be beyond what they can DIY. Your dad is probably overwhelmed with her care & she’s not competent / cognitive to do stuff and YOUR OVERWHELMED too. Really for CS situations an elder law atty is time & $ well spent.
theres stuff that nobody thinks about...... like most couples have each other as their beneficiary for life insurance. Bad bad idea cause if dad gets hit by a bus that insurance payout is $ to mom and she’s then ineligible for Medicaid. And you have that to deal with this atop his death...... Beneficiary may be best to put it into some sort of trust or have grandkids college funds or a UTMA type of fund as beneficiary. Really it’s stuff like this that a good atty know to do as SOP for couples medicaid planning. Grem, we can give you our ideas & experiences but really imo they need a sit down with an atty to come up with best plan for them that’s legal & legit for how Medicaid runs for thier state. Plus the atty can guide dad to get his CSRA / MMNA at the max level your state allows for from your mom’s monthly income if he can show the need for it.
really get their financials together and find an atty for them.
Where did you get this 119K figure? I seen everything from $24,720 to $123,600. I can’t seem to get a straight answer on that one. If the larger figures are right they will be absolutely no problem but if the smaller figures are true some property may have to be sold. I think the total value of everything wouldn’t break 60K.
If you mean you are planning on taking her off a joint account that is primarily hers this can't happen. Medicaid asks for statements back 5 yrs. Medicaid is based on monthly income. Savings and checking accts will have to be spent down. Insurance policies, if cash value, have to be cashed in. So do stocks and savings bonds. Shevwill be allowed a home but not be able to keep it up, all her SS and pension will be signed over to the NH as payees.
If this an account of long standing that Moms name has never been on, then its not hers and Medicaid will not count it.
That's the problem. It's a joint account with my father. He will remain in the house. He knows she needs to go but is afraid of being left with so little that he can't even pay for the upkeep on the house.
The 5 year look back will want to see all accounts held jointly by her as well.as those just held by her. You can't hide the money by it being in a joint account. I hope that you have not mixed any of your own money in with her's on an account that you have joint ownership with her.
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.
But Medicaid does NOT require dad as the community spouse to himself become impoverished. Only mom must meet Medicaids financial impoverishment requirement of 2k in assets and under whatever Medicaid has for monthly income max (abt $2,050). Dads income is NOT a factor in her Medicaid eligibility.
Grem - how much above 120k in assets do your folks have? 119k is kinda the overall standard in most states for the CS (dad) to have to totally keep as his CS asset. Now $ may need to be shifted out of mom’s own lil personal in just her SS# savings account or stocks or other investments over to Dads to beef it up to get to the magical 119k but they can do this if done BEFORE the Medicaid application filed. But doing stuff like this may be beyond what they can DIY. Your dad is probably overwhelmed with her care & she’s not competent / cognitive to do stuff and YOUR OVERWHELMED too. Really for CS situations an elder law atty is time & $ well spent.
theres stuff that nobody thinks about...... like most couples have each other as their beneficiary for life insurance. Bad bad idea cause if dad gets hit by a bus that insurance payout is $ to mom and she’s then ineligible for Medicaid. And you have that to deal with this atop his death...... Beneficiary may be best to put it into some sort of trust or have grandkids college funds or a UTMA type of fund as beneficiary. Really it’s stuff like this that a good atty know to do as SOP for couples
medicaid planning.
Grem, we can give you our ideas & experiences but really imo they need a sit down with an atty to come up with best plan for them that’s legal & legit for how Medicaid runs for thier state. Plus the atty can guide dad to get his CSRA / MMNA at the max level your state allows for from your mom’s monthly income if he can show the need for it.
really get their financials together and find an atty for them.
Medicaid is based on monthly income. Savings and checking accts will have to be spent down. Insurance policies, if cash value, have to be cashed in. So do stocks and savings bonds. Shevwill be allowed a home but not be able to keep it up, all her SS and pension will be signed over to the NH as payees.
If this an account of long standing that Moms name has never been on, then its not hers and Medicaid will not count it.