Are you sure you want to exit? Your progress will be lost.
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.
✔
I acknowledge and authorize
✔
I consent to the collection of my consumer health data.*
✔
I consent to the sharing of my consumer health data with qualified home care agencies.*
*If I am consenting on behalf of someone else, I have the proper authorization to do so. By clicking Get My Results, you agree to our Privacy Policy. You also consent to receive calls and texts, which may be autodialed, from us and our customer communities. Your consent is not a condition to using our service. Please visit our Terms of Use. for information about our privacy practices.
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:
I think the answer to that question hinges on whether your mom is paying out of pocket for the nh, or if she is going to be relying upon Medicaid. Medicaid, not the NH will require that all of mom's assets be used for her care. Life insurance policies that have cash value ("whole life") generally have to be cashed in. You should really discuss this with a certified elder care attorney.
Is she on Medicaid? Can she qualify if she does a "pay down"? In that case, Medicaid allows prepayment for funeral expenses to come out of any assets before they are assigned to the NH. If she is not on Medicaid and can't be on it, I think Babalou's suggestion of working through an elder care attorney is your best option.
Babalou has asked whether mom is going in on Medicaid which should answer the question. She is right that all assets with the exception of her home, one car and $2,000.00 must be used for her care. Any cash value of the policy must be used to pay the nursing home. If there is a house there is the potential for it to provide her income from rent. The car provide her transportation. Medicaid as they go through the qualification process will request mom's financial records to determine if there were gifts to anybody during the past five years, this includes monetary and property gifts. Everything that has been sold must be for fair market value. If it has not been mom will be charged a penalty where Medicaid will not pay for a period of time that is determined on the value of any gifts. This is a dollar for dollar penalty period. If the cost of the nursing home is $10,000.00 a month and they find she has sold her house worth $100,000.00 for $50,000.00 her penalty would be $50,000.00 to anybody, including family, so five months that mom's care would have to be paid another way. The program is called MERP, Medicaid Estate Recovery Program. An attorney that specializes in Medicaid planning may be able to make recommendations on how to preserve some of Mom's assets.
My mother is in a NH, on Medicaid, and still has her life insurance policy. It is a low face value policy with cash value of about $1500. I disclosed this to the nursing home when she entered a year ago and so far nothing has happened. I am having her premiums paid out of my checking account. I hope there's no rude awakening when she dies. I'm counting on that money to help bury her.
Make sure you prepay her funeral or cremation. Medicaid will allow her to have an irrevokable funeral trust. Anyone going on medicaid should do this before all the money is spent down. That way funeral costs are covered.
Christine - most states allow a separate funeral & burial fund under 2K. And most allow a NCV (no cash value) funeral /burial policy under 10K. About the policy that you are paying for....who is the beneficiary? Is it you or moms estate? If its you, then it will not matter for medicaid or MERP. If its moms estate, then the $ is used for the funeral & burial and those types of death expenses are almost always a Class 1 or a Priority expense of moms estate and payable before any MERP recovery.
So your probably good on this.
Have you priced funerals? Easily 8K. Average is like 10K. If funds are limited you may need to do a cremation as it can be done under 2K. My mom (on NH Medicaid) had a traditional preneed done & my folks had bought a mausoleum in early 1980's & a seperate small funeral floral set aside and none where an issue for medicaid & all reported. If you can & when your in a pit bull mood, visit a FH to get an idea on what the options are now & before you are dealing with emotion.
Btw if you get a cremation done, there are companies that turn the ashes (human or pet) into diamonds which can become jewelry. Really truly mom can become a brooch.
The answer to the question is NO, the nursing home can not take possession of your mother's insurance policy. If other factors apply, you did not address them.
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.
Grace + Peace,
Bob
So your probably good on this.
Have you priced funerals? Easily 8K. Average is like 10K. If funds are limited you may need to do a cremation as it can be done under 2K. My mom (on NH Medicaid) had a traditional preneed done & my folks had bought a mausoleum in early 1980's & a seperate small funeral floral set aside and none where an issue for medicaid & all reported. If you can & when your in a pit bull mood, visit a FH to get an idea on what the options are now & before you are dealing with emotion.
Btw if you get a cremation done, there are companies that turn the ashes (human or pet) into diamonds which can become jewelry. Really truly mom can become a brooch.