Are you sure you want to exit? Your progress will be lost.
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.
✔
I acknowledge and authorize
✔
I consent to the collection of my consumer health data.*
✔
I consent to the sharing of my consumer health data with qualified home care agencies.*
*If I am consenting on behalf of someone else, I have the proper authorization to do so. By clicking Get My Results, you agree to our Privacy Policy. You also consent to receive calls and texts, which may be autodialed, from us and our customer communities. Your consent is not a condition to using our service. Please visit our Terms of Use. for information about our privacy practices.
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:
In our state you can use your money to prepay for funeral expenses but the NH does get the insurance policies as far as I know I mean use their money to prepay for a funeral-the nursing homes need the money to keep caring for people.
After I wrote that, I wondered if Medicaid waits until a person dies, then takes the death benefit except $15,000. Or do they require the surrender of the larger policy and purchase of a smaller. This wouldn't be much money, since the surrender value of most policies is not much.
My parents are still home but dad has dementia. He is not yet at a NH. We will have to get him on medicaid when/if that happens. An elderlaw attorney told me to change the beneficiary from mom to myself. I was just curious to c if anyone else had the same situation going on. Thank u!
From what I understand the NH get the benefit as the family would receive if the person was not on medicare-the whole value of the policy but there is a clause that the surving spouse can use which is sposual refusal which has been kept secrate -in which a spouse can keep some of the person on medicaide's pension -medicaide tends to leave the surviving spouse very poor.
I had a elder care attorney set up an irrevocable trust for my mother. We then gifted her house into the trust. I had the ownership & beneficiary of my mothers two small life insurance policies changed to the trust as well. This way if she ever does have to go on Medicaid the house & insurance policies can not be attached by Medicaid. Of course there is still the 5-year look back period. So if you are thinking about doing something like this it is better to do it asap.
You gave good information I did not know you could put insurance policies into the trust-it is amazing how much information was not told to me when planning to have my husband place -life insurances are big deals and would be helpful to a spouse who had to go on medicaide-I certainly will pass this along as I am about the spousal refusual which might be helpful to others.
The timing is important, since the lookback period can be long. I would double-check the part of life insurance, since the benefactor is the owner until he/she dies. I did not realize that change in beneficiary or adding it to a trust was a way to protect the asset. It certainly looks like something I need to investigate more. I've wondered how my mother would make it if my father had to go on Medicaid before he died. The life insurance money is important for her to live.
It was a shock for me while starting the medicaide paperwork-I had paid a lawyer a retainer but being dumb I tried to do it all myself except when I lost it in the social workes office when my husband was still in rehab and she did help me-it really was her job to begin with-he died before we got medicaide which was good because I do not know how I would have managed on it-the house was safe because it was in a trust longer than 5 years.
Does it have to be an irrevocable trust? Hubby and I are caregivers for his mom. But about 13 years ago WE put OUR home in a family trust. It is not irrevocable. We are the trustees. We are in our early 60's. Guess we should see an Elder Law attorney on our own behalf :0) We don't have much besides our home. We just got our ducks in a row (so to speak) before we went on a trip out of the country about 13 years ago. Guess we definitely should update. We tend to forget about ourselves when all we can think of is 'someone else' :0)
My brother just found out that he has terminal cancer with a life expectancy of about 2 months. I am the beneficiary of his state employee's life insurance. He is also on medicare disability. How can I be assured of receiving the death benefits from his policy, since I will need this to pay for his funeral and other debts?
If memory serves me right, if it is an insurance policy with a cash value (like a whole life policy) then the cash value will need to be taken out and used in the spend down in order to qualify for Medicaid. If it is an older policy that pays a dividend, the dividend has to be plowed back into to policy so that it doesn't become an asset. For term policies, I think most states allow a small policy to exist ($1,500) and for larger term policies that are owned by the Medicaid recipient, the state can do a claim or lein on those funds in probate if the $ becomes part of the estate after death. How you can deal with that is to have a trust that owns the insurance policy so it is not an asset of yours or your estate but is owned by the trust. Trusts need to be done by an estate or elder care savvy attorney not DIY.
wolfie - so sorry about your brother. Does your brother have a will and are you named as executor for it? If not and he is still capable, you really should do this now as well as get him to sign a DPOA & MPOA for you. The hospitals are really strict on giving you any information or allowing you to make decisions without this due to HIPPA laws. You want to copy all his policy (health, life, etc) information so that when you speak with anybody you have it for reference. If this is a state program, I bet there is an on-line application for this and for administering his retirement and insurance. If so, i'd go ahead on go on-line as his representative and have it in place and passworded so you can use it on his behalf.
Also you want to get 1/2 to a dz copies of his death certificate. It is easiest to do this the first time rather than a couple of months later as it gets filed. Most banks or other institutions will require an ORIGINAL death certificate in order to do anything.
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.
Has Medicaid been applied for?
wolfie - so sorry about your brother. Does your brother have a will and are you named as executor for it? If not and he is still capable, you really should do this now as well as get him to sign a DPOA & MPOA for you. The hospitals are really strict on giving you any information or allowing you to make decisions without this due to HIPPA laws. You want to copy all his policy (health, life, etc) information so that when you speak with anybody you have it for reference. If this is a state program, I bet there is an on-line application for this and for administering his retirement and insurance. If so, i'd go ahead on go on-line as his representative and have it in place and passworded so you can use it on his behalf.
Also you want to get 1/2 to a dz copies of his death certificate. It is easiest to do this the first time rather than a couple of months later as it gets filed. Most banks or other institutions will require an ORIGINAL death certificate in order to do anything.