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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 fear is I spend all my mom’s money and she still gets denied for Medicaid. Then she is broke and sent back to us where she can’t be taken care of correctly. I work, my son works and it’s taking a toll on both of us.
Illinois doesn’t appear to have a Miller trust type provision that I can find online. That is MORE reason to see a certified elder attorney who can help you find a way around moms disqualifying income. Look for an attorney who has extensive experience aiding elders in qualifying for Medicaid Long Term Care, (LTC) whose INCOME is over the maximum. ASSETS can be spent down, It is the income you need help with as you stated in your post so time to look for a well respected, qualified elder law attorney.
Also look for care homes who do not take Medicaid but who might take patients for the amount mom is able to pay. Remember she will still need to pay her insurance premiums. Some of the care homes are really good. You will have to look for them. They don’t spend money on advertising. They will have a fire department license, maybe a health department license ? The Area Agency on Aging did not have a list when I checked. But you can ask them as they may take Meals on Wheels to them in occassion. Senior Centers may know where they are located. Home Health agencies know where they are because they go there to see patients. Hospice companies may have a list. Some churches have volunteers who visit them. Some ALF know where they are as they will use them sometimes when they have patients they are no longer able to care for. In this case rather than spending down her money you will want to stretch it as long as possible. These homes are located in neighborhoods. You may have one near you. Let us know what you find. We learn from one another.
I too suggest an elder law attorney. More and more this isn't do it yourself stuff. You say she has 8 months of funds left. As soon as she is in care is the time to start working on her applications for aid from Medicaid or at least thinking of doing so. ALL of her SS will likely go into her care facility, with Medicaid picking up funds after hers fail to cover costs. That is, in all likelihood. But now is the time to find all of this out, to look over how it is done, and to request a social worker or aid worker from the nursing home to assist or to recommend who you should see for assistance in options and applications. I sure wish you both the best.
You need to find out if your State allows a Miller/Qualifying Income Trust. You will need an Elder Lawyer to set it up. The xtra money will go into this trust and revert back to Medicaid upon her passing.
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.
Get yourself to an Elder Law attorney in Illinois.
That is MORE reason to see a certified elder attorney who can help you find a way around moms disqualifying income. Look for an attorney who has extensive experience aiding elders in qualifying for Medicaid Long Term Care, (LTC) whose INCOME is over the maximum. ASSETS can be spent down, It is the income you need help with as you stated in your post so time to look for a well respected, qualified elder law attorney.
Also look for care homes who do not take Medicaid but who might take patients for the amount mom is able to pay. Remember she will still need to pay her insurance premiums. Some of the care homes are really good. You will have to look for them. They don’t spend money on advertising. They will have a fire department license, maybe a health department license ? The Area Agency on Aging did not have a list when I checked. But you can ask them as they may take Meals on Wheels to them in occassion. Senior Centers may know where they are located.
Home Health agencies know where they are because they go there to see patients. Hospice companies may have a list. Some churches have volunteers who visit them. Some ALF know where they are as they will use them sometimes when they have patients they are no longer able to care for. In this case rather than spending down her money you will want to stretch it as long as possible. These homes are located in neighborhoods. You may have one near you.
Let us know what you find. We learn from one another.