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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:
My mom gets the maximum amount allowable for Social Security. This amount places her over the income limit for Medicaid. But it is no where near enough to pay for skilled care. Does anyone know what our options are?
Given Mom is receiving this and has no OTHER income such as a pension, there seems little way to do a QIT Trust as Geaton suggests. I would stop by your nearest nursing home to ask what happens in this situation. Likely the entire SS goes to the nursing home and the small allowance monthly kept aside for her; then Medicaid swings in.
Also, while your wait time on phone may be long, call Medicare/Medicaid at 1 800 Medicare and ask. A.I. may be helpful as well. Bogleheads.org addresses this question directly: See link:
"...also known as a Miller Trust — is a special type of legal trust used to help individuals qualify for Medicaid long-term care benefits when their income is over the Medicaid limit.
Here’s how it works:
Medicaid has strict income caps for eligibility. If an applicant’s monthly income is even slightly over the limit (varies by state), they can be denied coverage for nursing home or home-and-community-based care.
A QIT provides a lawful way to redirect excess income so the person can still qualify.
A trust account is created (usually at a bank) with specific legal language required by the state’s Medicaid rules.
The applicant’s income — usually from Social Security, pensions, or annuities — is deposited into the trust each month.
The trust then pays out: A small personal needs allowance (as allowed by Medicaid), The spouse’s allowance (if applicable), The remainder of the income to the nursing home or care provider. The balance of the trust after the person’s death must go to the state Medicaid agency up to the amount Medicaid paid for their care.
Key Legal Features
Must be irrevocable (cannot be changed or withdrawn). Must be established by the Medicaid applicant, their spouse, or legal representative.
The trustee is often a trusted family member or someone approved by Medicaid. Funds can only be used for approved expenses; improper use may disqualify benefits.
QITs are only for income, not assets.
Each state’s Medicaid agency has specific rules and required trust language — using a generic template can lead to denial.
It’s best to set one up with an elder law attorney who understands your state’s Medicaid regulations.
It is entirely possible your mother is eligible for Medicaid long term care in a facility. It all depends on the asset limits of the state she resides in and how much she will need to spend on her care in order to meet the requirements.
Your best advice is to consult with an eldercare attorney that has expert knowledge in Medicaid long term care. Your mother will need to spend down her savings with allowable expenses for her care only to meet the state asset threshold.
If your mother enters into a long term facility and has Medicaid long term care she will pay all her income (Social Security, pension and any other income) less her Personal Allowance allocation. The personal allowance is held in a separate account that is for her personal needs like hair cuts and clothing.
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.
Also, while your wait time on phone may be long, call Medicare/Medicaid at 1 800 Medicare and ask.
A.I. may be helpful as well.
Bogleheads.org addresses this question directly: See link:
https://www.bogleheads.org/forum/viewtopic.php?t=413816
"...also known as a Miller Trust — is a special type of legal trust used to help individuals qualify for Medicaid long-term care benefits when their income is over the Medicaid limit.
Here’s how it works:
Medicaid has strict income caps for eligibility. If an applicant’s monthly income is even slightly over the limit (varies by state), they can be denied coverage for nursing home or home-and-community-based care.
A QIT provides a lawful way to redirect excess income so the person can still qualify.
A trust account is created (usually at a bank) with specific legal language required by the state’s Medicaid rules.
The applicant’s income — usually from Social Security, pensions, or annuities — is deposited into the trust each month.
The trust then pays out:
A small personal needs allowance (as allowed by Medicaid),
The spouse’s allowance (if applicable),
The remainder of the income to the nursing home or care provider.
The balance of the trust after the person’s death must go to the state Medicaid agency up to the amount Medicaid paid for their care.
Key Legal Features
Must be irrevocable (cannot be changed or withdrawn).
Must be established by the Medicaid applicant, their spouse, or legal representative.
The trustee is often a trusted family member or someone approved by Medicaid.
Funds can only be used for approved expenses; improper use may disqualify benefits.
QITs are only for income, not assets.
Each state’s Medicaid agency has specific rules and required trust language — using a generic template can lead to denial.
It’s best to set one up with an elder law attorney who understands your state’s Medicaid regulations.
The requirements differ by state."
Source: ChatGPT5
Your best advice is to consult with an eldercare attorney that has expert knowledge in Medicaid long term care. Your mother will need to spend down her savings with allowable expenses for her care only to meet the state asset threshold.
If your mother enters into a long term facility and has Medicaid long term care she will pay all her income (Social Security, pension and any other income) less her Personal Allowance allocation. The personal allowance is held in a separate account that is for her personal needs like hair cuts and clothing.