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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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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.
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This is a bit confusing. You can care for her and be paid immediately from her assets, without waiting for an inheritance. However you have ethical ‘trust’ obligations as POA, and if you have taken more from her estate than is reasonable, you may have to deal with claims from other people who are entitled to an inheritance.
Is your question about whether payment to you for a life estate in your house, would count as spending down for Medicaid purposes for her? A life estate means that she has the right for her lifetime to live in your house – and if she continues to live with you, she probably wouldn’t be eligible for Medicaid anyway. Would it be such a good idea for her to have that right? - what if she really needs a nursing home? How would Medicaid treat payment for a life estate that wasn’t actually utilised – my guess is not with enthusiasm!
The idea of a person with POA making a contract as POA with themselves as an individual, to pay a large sum of money from one hand to the other, would raise a few eyebrows, and potentially not just with Medicaid. Are there other family members who would find it objectionable? A fraud case or even the gossip could be very unpleasant. Saying that it would come from your own inheritance definitely needs legal advice to make it stick.
For smaller sums of money, a carer agreement where she pays you for care would probably be more straightforward. As Ahmijoy writes, check it on this site. Borrowing money from her would be easy and would then ‘come off your inheritance’, but while it might work for you it won’t help with Medicaid. Just make sure that you document it, and that the loan is eventually declared as an asset in her estate.
Perhaps you could ask for more details from whoever mentioned the 'life estate' to you. The details would help to clarify what they mean and how it affects what you are trying to achieve.
Why would she need a life estate on your home? Is this meant to be a way for her to transfer a large sum of money to you? I don't think this sounds legit.
If you search “Caregiver Agreement” on this site, there should be a print out. As for the Life Estate, I believe those papers should be drawn up by an attorney who can also advise. ,
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.
Is your question about whether payment to you for a life estate in your house, would count as spending down for Medicaid purposes for her? A life estate means that she has the right for her lifetime to live in your house – and if she continues to live with you, she probably wouldn’t be eligible for Medicaid anyway. Would it be such a good idea for her to have that right? - what if she really needs a nursing home? How would Medicaid treat payment for a life estate that wasn’t actually utilised – my guess is not with enthusiasm!
The idea of a person with POA making a contract as POA with themselves as an individual, to pay a large sum of money from one hand to the other, would raise a few eyebrows, and potentially not just with Medicaid. Are there other family members who would find it objectionable? A fraud case or even the gossip could be very unpleasant. Saying that it would come from your own inheritance definitely needs legal advice to make it stick.
For smaller sums of money, a carer agreement where she pays you for care would probably be more straightforward. As Ahmijoy writes, check it on this site. Borrowing money from her would be easy and would then ‘come off your inheritance’, but while it might work for you it won’t help with Medicaid. Just make sure that you document it, and that the loan is eventually declared as an asset in her estate.
Perhaps you could ask for more details from whoever mentioned the 'life estate' to you. The details would help to clarify what they mean and how it affects what you are trying to achieve.