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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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I consent to the collection of my consumer health data.*
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I consent to the sharing of my consumer health data with qualified home care agencies.*
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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:
Your the community spouse, correct? Are you getting CSRA / MMNA? The community spouse resource allowance or monthly maintenance needs allowance - from your hubs monthly income? Do you have your own assets set aside from any spend down done for your husband?
When they go onto Medicaid, they are required to do a copay of their monthly income to the NH. This is called the SOC -share of cost. For a widow or widower living in a NH, this is routine. But when there is a CS, you need to make sure you as the CS are getting the maximum amount of CSRA that a CS is allowed under your states Medicaid rules. I mention this because if you still have to pay on a mortgage that can be a big cost each month...are you able to pay your bills without any problems? You as the CS are not required to make yourself impoverished so hubs can be on Medicaid. Only hubs has to be low income to be on Medicaid.
Over & over on this site, there will be posts from spouses still living in the community that end up using their $ & savings that they need for their day to day living costs for future years as they are not getting the max CSRA / MMNA & they don't understand that you as a CS can have around 116k of your own assets.
CSRA / MMNA vary by state. For TX it's about $ 2,900 a month; so if hubs had an income of $ 3,000 a month, his SOC or co pay to the NH could be $ 100 as the CS could get the $ 2900 CSRA under TX rules. CSRA / MMNA is kinda like alimony & you really want to get all the CSRA or MMNA you can qualify to get.
Regarding Medicaid taking the house.....Medicaid is required to do an attempt on recovery or repayment on all costs paid by Medicaid from the assets of the deceased estate. This is called MERP or MERS. All states have to do this to participate in federal funding for Medicaid.
Just how MERP is done will be dependent on your state laws for property rights, probate, heirship. Most states do not do a recovery action on a house that has a spouse living in it upon death of the N.h spouse. Other states place a claim or a lien on the property that will need to be settled if & when the property is sold by the remaining spouse.
There should be some sort of certification &/or authorization form from your states MERP office by you to show the MERP status on the property after he dies. MERP in many states is done by an outside contractor & if so, they will contact you in a couple of months after death to find out if there's a surviving spouse or other exemptions or exclusions to MERP & if so, then you send in the info or documents needed to get MERP certification or release done. For surviving spouse living in the house situations, the process seems pretty straightforward.
Whatever the case, remember the mortgage holder has first dibs on the house as you don't fully own it till the morgage, heloc or other debt is paid off.
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.
When they go onto Medicaid, they are required to do a copay of their monthly income to the NH. This is called the SOC -share of cost. For a widow or widower living in a NH, this is routine. But when there is a CS, you need to make sure you as the CS are getting the maximum amount of CSRA that a CS is allowed under your states Medicaid rules. I mention this because if you still have to pay on a mortgage that can be a big cost each month...are you able to pay your bills without any problems? You as the CS are not required to make yourself impoverished so hubs can be on Medicaid. Only hubs has to be low income to be on Medicaid.
Over & over on this site, there will be posts from spouses still living in the community that end up using their $ & savings that they need for their day to day living costs for future years as they are not getting the max CSRA / MMNA & they don't understand that you as a CS can have around 116k of your own assets.
CSRA / MMNA vary by state. For TX it's about $ 2,900 a month; so if hubs had an income of $ 3,000 a month, his SOC or co pay to the NH could be $ 100 as the CS could get the $ 2900 CSRA under TX rules. CSRA / MMNA is kinda like alimony & you really want to get all the CSRA or MMNA you can qualify to get.
Just how MERP is done will be dependent on your state laws for property rights, probate, heirship. Most states do not do a recovery action on a house that has a spouse living in it upon death of the N.h spouse. Other states place a claim or a lien on the property that will need to be settled if & when the property is sold by the remaining spouse.
There should be some sort of certification &/or authorization form from your states MERP office by you to show the MERP status on the property after he dies. MERP in many states is done by an outside contractor & if so, they will contact you in a couple of months after death to find out if there's a surviving spouse or other exemptions or exclusions to MERP & if so, then you send in the info or documents needed to get MERP certification or release done. For surviving spouse living in the house situations, the process seems pretty straightforward.
Whatever the case, remember the mortgage holder has first dibs on the house as you don't fully own it till the morgage, heloc or other debt is paid off.