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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.
Share a few details and we will match you to trusted home care in your area:
Medicaid is the government program for people with minimal income and assets. It is not meant to pay for health care of long term care so you can leave an estate to your heirs.
Some people do keep enough money each month to pay their life insurance premium, however, it's my understanding that the funds that they keep are ONLY supposed to be used for their care, such as food, clothes, toiletries, etc. and not for anything else.
If they are on Medicaid and in LTC then there is no way they are keeping enough to pay for their life insurance policy unless their small monthly PNO covers the premium.
Medicaid is taxpayer funded and is a safety net. My dad had $1700 per month income - but nursing home cost $15,000 per month. The only way he could be in the nursing home was that Medicaid paid for it. The TAXPAYER paid for it. His $1700 per month went for his share of cost. He had a small $50 allowance for personal items.
Medicaid is a taxpayer funded program - for those who have no assets. A life insurance policy is an asset that likely should be cashed out. Or discontinued.
If you want the life insurance policy then pay for the nursing home too.
Actually, if the policy has cash in value it needs to be cashed in. It can be used for a prepaid funeral or to help offset the cost of his care. The owner of the policy will never benefit from that money, the beneficiaries benefit. Like said Medicaid is paid for thru tax dollars.
If the policy has no cash in value or is held by the employer, then Medicaid won't touch it. If you happen to benefit from the policy, then u can pay the premium. It all depends on who benefits if its worth continuing payments.
A person needs Medicaid when they have no assets and their income is low. In my State u are allowed 2k in a bank account. Ur SS and pension go towards ur care (unless there is a spouse). A Personal Needs acct is set up and (in my state) $50 a month, from their SS, is put in it. This can be used for cutting/styling the hair. Goodies out of the vending machine, clothing, etc. The balance in the bank acct can be used only for personal needs of the resident.
The only time I have heard of Medicaid allowing for an insurance premium to be paid was for supplimental health insurance. Can't understand why they would allow a life insurance policy premium to be paid unless Medicaid was the beneficiary.
No, SS is what you receive for all the long, difficult years you contributed to the program. Medicaid is a tax payers funded program for those who are ill and cannot pay for in home or nursing home care.
Medicaid is a tax payer funded assistance program. The more it pays out, the more it costs we taxpayers. The money should be spent for the person's care, not an insurance policy that benefits others.
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 is a taxpayer funded program - for those who have no assets. A life insurance policy is an asset that likely should be cashed out. Or discontinued.
If you want the life insurance policy then pay for the nursing home too.
Like said Medicaid is paid for thru tax dollars.
If the policy has no cash in value or is held by the employer, then Medicaid won't touch it. If you happen to benefit from the policy, then u can pay the premium. It all depends on who benefits if its worth continuing payments.
A person needs Medicaid when they have no assets and their income is low. In my State u are allowed 2k in a bank account. Ur SS and pension go towards ur care (unless there is a spouse). A Personal Needs acct is set up and (in my state) $50 a month, from their SS, is put in it. This can be used for cutting/styling the hair. Goodies out of the vending machine, clothing, etc. The balance in the bank acct can be used only for personal needs of the resident.
The only time I have heard of Medicaid allowing for an insurance premium to be paid was for supplimental health insurance. Can't understand why they would allow a life insurance policy premium to be paid unless Medicaid was the beneficiary.