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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.
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Annie - a Miller isn't about expenses but rather is a way to deal with an elder who has too much monthly "qualified& guaranteed" income to be eligible for Medicaid but is eligible in all other ways . Miller gets the extra income & VOILA!, their eligible!!
Let's say mom gets $800 in SS, $ 1K from her deceased husbands retirement & she gets her own retirement of $ 1K. So every month has $ 2,800 income. Mom has doctors orders for skilled nursing care, she has under 2K in saving and no other non-exempt assets so she is totally good for everything else medicaid. BUT her states Medicaid has a ceiling of $ 2,062 income maximum. (each state can set their own income ceiling, for my mom when she applied in TX it was $ 2,062 max monthly). So mom would be $ 738.00 over the maximum income allowed. The Miller gets the income and "pays" mom $ 2,062 & the trust gets $ 738 overage. Some states do miller as an end game trust in which each month the NH gets the full amount (less whatever is their personal needs monthly allowance); other states actually have the overage go into a trust which upon their death goes to the state. Because each state places its unique spin on Medicaid, it is important that the miller is done correctly by an attorney. It is not IMHO a DIY project ever.
Not all income sources qualify...it has to be a "guaranteed" income source. Really miller is a godsend for be able to get Medicaid for those who have too much income to qualify but will never have enough $$ to ever private pay.
Thank you, MaggieM., for finding that site.... Have not had time to read all of it.......but I think this government site should answer questions that many folks have about more than just Miller's trust... I saved it for easy future access !!! Thanks again...!!! Wish you a good day !!!
The link to Indiana rules on Miller Trusts, below, is very helpful. For others not in IN, please note that the rules do vary slightly from state to state, so be sure to find out the specific rules for your own state before taking any action.
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.
Let's say mom gets $800 in SS, $ 1K from her deceased husbands retirement & she gets her own retirement of $ 1K. So every month has $ 2,800 income. Mom has doctors orders for skilled nursing care, she has under 2K in saving and no other non-exempt assets so she is totally good for everything else medicaid. BUT her states Medicaid has a ceiling of $ 2,062 income maximum. (each state can set their own income ceiling, for my mom when she applied in TX it was $ 2,062 max monthly). So mom would be $ 738.00 over the maximum income allowed. The Miller gets the income and "pays" mom $ 2,062 & the trust gets $ 738 overage. Some states do miller as an end game trust in which each month the NH gets the full amount (less whatever is their personal needs monthly allowance); other states actually have the overage go into a trust which upon their death goes to the state. Because each state places its unique spin on Medicaid, it is important that the miller is done correctly by an attorney. It is not IMHO a DIY project ever.
Not all income sources qualify...it has to be a "guaranteed" income source. Really miller is a godsend for be able to get Medicaid for those who have too much income to qualify but will never have enough $$ to ever private pay.
Have not had time to read all of it.......but I think this government site should answer questions that many folks have about more than just Miller's trust... I saved it for easy future access !!! Thanks again...!!! Wish you a good day !!!
https://secure.in.gov/fssa/ddrs/4860.htm