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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.
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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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They only have 5000 in bank, but this seems to be too much? How can I find out how to protect what little they have, without spending it all on an advisor, but not have over the $2000 limit I seem to keep running into on applications.
Medicaid is very State-specific. You need to see a Medicaid planner or elder law attorney in their state.
There is Community Medicaid, which often has no asset limit. Then there is Long Term Care Medicaid, which will pay for NH Care. There are often waiver programs that will pay for home care to avoid NH placement.
You should call your local Area Agency on Aging for Dr direction. Or call the County Social Social Services office to discuss how to proceed.
You can apply for Medicaid through your state’s website or you can go to your county’s social services website or go directly to their office and apply for Medicaid for your parents. I don’t know what the Medicaid limits are in Massachusetts, but with $5,000 that your parents have can be easily spent down and then they will qualify for Medicaid.
Hoping your parents will get the help they need as I know some people are struggling to make ends meet.
We have a wonderful program here called IRIS. It allows people to stay in their own home and helps pay for not only the care, but also provides for things like therapies, activities, any modifications to the home, or things needed in the home.
They also allow them to choose their own care giver (including family). It is through Medicaid here so if they are eligible make sure they can sign up.
Programs vary from state to state and some states don't allow family, but I think that is wrong. Family is usually the BEST, because they truly care and will do all they can to help. Also, with the patient in charge makes them feel that they do still have some control over their own lives and are much happier.
They do NOT need to loose all their money or possessions as often happens with nursing homes and other facilities that after taking all they have often will try to toss them out. Please check into the in home option.
Please enlist the help of the Office of Aging for the state of where your parent's live. On Google, look up MIPPA and the name of their state and contact them. MIPPA is a federal program. They have people who can assist you to find financial resources and their services are FREE.
If they refer you to other services, ask the question if there is a cost associated with it or not.
In Ohio if one spouse remains in the home it is exempt, and the spouse can retain $23,000 in personal wealth that is also exempt so they can maintain their home and have money to live on. The spouse applying for Medicaid can only have $2000 of personnel wealth, anything over that has to be spent down (lots of legal ways to do this.)
If the resident spouse dies or moves out of the house it has to be sold, part of the sale price goes to the spouse and the rest reimburses Medicaid.
My numbers are based on 2018 so the totals may have changed. Please make an appointment with your local Medicaid office to get the facts for your state.
It appears you are trying to apply for Medicaid. To place her in NH or to get help at home? There will be very, very limited inhome care available for her with Medicaid. Just a few hours per week. You're correct, no point in spending the minimal amount they have to pay for financial advisor. Just do the Medicaid application and note that mom needs facility care and dad will remain at home. The process will determine how much money he gets to keep at home for bills and how much will be used toward her care each month. Medicaid picks up balance of NH bill that her income doesn't cover.
You might be better office to go to your local Medicaid office for elderly/disabled (in Texas it is referred to as MEPD office/workers) so that you can explain that she needs NH placement, he stays in the home. For two adults, the limit in bank is higher than $2000. If you're only putting her name on the application, it's possible that is reason they said she can only have $2K in the bank.
You're going to need doctor verification that she needs NH care.
There's no reason to protect 5,000. See that attorney for advice and that will eat the 5,000 up real quick. Problem will be solved. HOWEVER exactly what sort of aid are you expecting can be provided in your state?
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 very State-specific. You need to see a Medicaid planner or elder law attorney in their state.
There is Community Medicaid, which often has no asset limit. Then there is Long Term Care Medicaid, which will pay for NH Care. There are often waiver programs that will pay for home care to avoid NH placement.
You should call your local Area Agency on Aging for Dr direction. Or call the County Social Social Services office to discuss how to proceed.
I would see a Medicaid agent and see what is what in their state.
Good Luck!
Hoping your parents will get the help they need as I know some people are struggling to make ends meet.
Best wishes.
They also allow them to choose their own care giver (including family). It is through Medicaid here so if they are eligible make sure they can sign up.
Programs vary from state to state and some states don't allow family, but I think that is wrong. Family is usually the BEST, because they truly care and will do all they can to help. Also, with the patient in charge makes them feel that they do still have some control over their own lives and are much happier.
They do NOT need to loose all their money or possessions as often happens with nursing homes and other facilities that after taking all they have often will try to toss them out. Please check into the in home option.
If they refer you to other services, ask the question if there is a cost associated with it or not.
If the resident spouse dies or moves out of the house it has to be sold, part of the sale price goes to the spouse and the rest reimburses Medicaid.
My numbers are based on 2018 so the totals may have changed. Please make an appointment with your local Medicaid office to get the facts for your state.
You might be better office to go to your local Medicaid office for elderly/disabled (in Texas it is referred to as MEPD office/workers) so that you can explain that she needs NH placement, he stays in the home. For two adults, the limit in bank is higher than $2000. If you're only putting her name on the application, it's possible that is reason they said she can only have $2K in the bank.
You're going to need doctor verification that she needs NH care.
See that attorney for advice and that will eat the 5,000 up real quick. Problem will be solved.
HOWEVER exactly what sort of aid are you expecting can be provided in your state?