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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
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:
My mom and I began the process of getting an irrevocable trust for her condo, but then I was told by an elder care social worker who does a lot of Medicaid eligibility work that if it is her primary residence, which it is, it might not be as important to put that into a trust as to look at her income and liquid assets and find a way to protect that from Medicaid using it as a way to decline her. Is that true? I would prefer not to put the condo into a trust because the conditions can never change and I will inherit the property and don't want to be limited. I would love to hear some opinions about whether it is really worth the effort and expense to have a lawyer do the trust, or is it better to get an elder care lawyer to work on her income and other asset issues.
I would like to say the above info wish it applied to me me, but it didn't. Thanx for your detailed response though. Mom has no spouse. She has no property. She can't live with me, any longer as her Alzheimer's is too far gone for me to handle anymore. She is paying to live at a wonderful center now, but is she can't walk any longer...she has to leave. The nursing homes where I live are very few and not too great. When she runs out of money, I must apply for Medicaid. That is the reason for the question.
If you need to get someone on Medicaid, you may not need a trust if they have low assets already. A community spouse is allowed a home, some savings and limited income in many states. If people claim they plan to return to their home, the home is usually safe until after their death. If not in their name at that time, there is usually no state recourse (speak w/ an elder lawyer in this case!) Definitely ask what the state-allowed amount is. The downside to Medicaid planning can be if it means someone you love is now going to have to go to a nursing home, share a room with 3 strangers and have no other options. To get in to a good nursing home, it is better to show up with a few months of funds, or if there has been a 3 midnight Medicare paid hospitalization, get discharged to the best Medicare/Medicaid approved nursing home in your preferred area. Once there, you cannot be evicted for using Medicaid. Most people in nursing homes do not need 24/7 skilled care. See if there is a way to pay for care at home where they may prefer, or in a quality residential care facility with 4-10 residents. When a facility is private pay, there is a greater incentive and an ability to provide quality care. Saving, investing and insuring for long-term care can help avoid the need to stay in a nursing home. These days, virtually any life insurance can be cashed in, and annuities can be designed for lifetime income if there are still some assets available. I worked in Medicaid nursing homes for several years. Being able to remain home with paid help, or get quality care in a private pay scenario is most folks preference when skilled 24/7 care is not necessary.
the irrevocable trust does not work any more in Michigan. We were denied Medicare just for that reason. The state has decided to "redefine" it's law, so were had to undo it all and start over again. Check with your state laws first before starting this long and costly procedure.
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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4 Key Things to Know about Trusts and Medicaid Planning
Mom has no spouse. She has no property. She can't live with me, any longer as her Alzheimer's is too far gone for me to handle anymore. She is paying to live at a wonderful center now, but is she can't walk any longer...she has to leave. The nursing homes where I live are very few and not too great. When she runs out of money, I must apply for Medicaid. That is the reason for the question.
The downside to Medicaid planning can be if it means someone you love is now going to have to go to a nursing home, share a room with 3 strangers and have no other options. To get in to a good nursing home, it is better to show up with a few months of funds, or if there has been a 3 midnight Medicare paid hospitalization, get discharged to the best Medicare/Medicaid approved nursing home in your preferred area. Once there, you cannot be evicted for using Medicaid.
Most people in nursing homes do not need 24/7 skilled care. See if there is a way to pay for care at home where they may prefer, or in a quality residential care facility with 4-10 residents. When a facility is private pay, there is a greater incentive and an ability to provide quality care. Saving, investing and insuring for long-term care can help avoid the need to stay in a nursing home. These days, virtually any life insurance can be cashed in, and annuities can be designed for lifetime income if there are still some assets available. I worked in Medicaid nursing homes for several years. Being able to remain home with paid help, or get quality care in a private pay scenario is most folks preference when skilled 24/7 care is not necessary.
Have a handicapped son I who is 30.And I want to set up a trust for him.