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:
My husband is in a nursing home ....... nursing home is applying for Medicaid...... I know I have to show his life insurance policy but, they want mine too. Do I have to give that information?
Yes. They need to see all the assets. They will determine if they "count" or not. As I understand it, a term life insurance policy does not count. A whole life policy or annuity might count or it might not. The social worker at the NH should be able to give you more information on this issue or you could consult an elder care attorney for estate planning advice.
And anyone who is going to get Medicaid should not be the beneficiary of any wills, IRAs, 401ks, inheritances of all kinds or insurance policies. If they are, an attorney should really be consulted on how to do it properly or you are just leaving the money open to recovery.
Ask them what the hey they need your information for....none of their business!
The only thing I can think of is IF he is the beneficiary, then Medicare is requiring ANY asset(s) he would have (should something happen to you) to be used as part of the PAY DOWN so they, Medicare, can get the money back.....depending on the supplemental policy he signed up for may require PAY DOWN for nursing home care.
Just like REVERSE MORTGAGES, STATE HELP, MEDICARE HAS BECOME A SCAM as well as AARP! You don't find out about these things until you use what you've always thought was "yours" to have.
Medicaid is not the same as Medicare.... Medicare covers medical expenses like doctors, hospitals, medication and for limited times rehab/nursing homes. Medicaid is a state run program backed by the federal government that can help people pay for LTC if they do not have the funds. It is income based (do you want your taxes paying for Bill Gates to stay in a nursing home, when he can well afford it?!?!?!)
As others have noted, the STATE has requirements about what is needed, etc, and those are just passed along through the NH. More than likely they do need to know ALL the facts...
Best bet is to consult with an Elder Care attorney as they know all the ins and outs about asset protection, applying for Medicaid, etc.
A good place to get information on this is your Area Agency on Aging. Every county in every state belongs to one. There are rules that protect the non-nursing home/medicaid applicant spouse. They will be glad to help you.
Also it’s not exactly the NH that is requesting the insurance info. If LTC Medicaid in your state runs as I dealt with for my mom & mil in TX & LA, the NH has the states Medicaid application which is filled out at the NH between the incoming resident and thier family along with admissions at the NH. NH usually gives the resident, spouse or DPOA a list of items needed to accompany the application - this list comes from the state but the NH may type to up in their own format.
Why thier own format is cause the NH has a system they do to review the applications. For my mom in TX, listwas a page; but for MIL her NHs list was 2 pages. All this - the application & documentation- in turn the NH sends all to the state caseworker along with their (the NH) bill.
Also about the NH review, NH can a review the documentation to see if there seems to be any glaring issues or other redflag type of items (like home got sold recently and House sale $ is gone) that could/would / should be problematic and if so the NH won’t accept them as a “Medicaid Pending” resident. If this NH has any hesitation on admitting your hubs as “Pending” my suggestion is make a call to an elder law atty asap.
Jna - medicaid when there’s a community spouse (you as your staying in your home & living in the “community”) is way way more complicated than an medicaid application for a widow or widower.
You as a CS are NOT expected to impoverish yourself. Only hubs has to meet the tight financial limitations of LTC Medicaid and be impoverished with only 2k in assets & in theory his monthly income getting paid to the NH. Your income is NOT a factor in his eligibility and you are allowed to have your own assets (usually it’s 119k). Plus If you need some of his monthly income to cover your own household and health care expenses then you should get a waiver to have some or all of his own monthly income diverted (waived) to you via CSRA / MMNA instead of being paid to the NH. But doing stuff like this is kinda overwhelming for a CS as your focused on your hubs.
Neither the NH or Medicaid have to explain to you how your joint assets & your income can get shifted or restructured to benefit you (like have savings over 119k moved to income for you). Nor should they as that gets wading into legal issues. For a CS - to me - you really can benefit from having an elder law atty deal with his Medicaid application.
For women especially, our hubs usually have had the higher income. Having his SS & retirement & our joint savings removed from us places us into being financially insecure. 119k could be just fine for a CS that’s 92 but for a CS younger &/or likely to outlive the NH spouse by years or decades, it’s not enough. A good elder law atty can give you options as how to maximize the $. I’d try to get one that NAELA or CELA level of expertise.
Yes, they need to know both your assets. The insurance policy will only count if it has a cash value. If it doesn't or its an employers policy, those insurances won't count. Your assets will be split. You will get what u need to live and live in ur home. If husbands policy has cash value, you may have to cash it in. You can use the proceeds to prepay his funeral. They will need to know about stocks and shares and any investments.
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.
And anyone who is going to get Medicaid should not be the beneficiary of any wills, IRAs, 401ks, inheritances of all kinds or insurance policies. If they are, an attorney should really be consulted on how to do it properly or you are just leaving the money open to recovery.
The only thing I can think of is IF he is the beneficiary, then Medicare is requiring ANY asset(s) he would have (should something happen to you) to be used as part of the PAY DOWN so they, Medicare, can get the money back.....depending on the supplemental policy he signed up for may require PAY DOWN for nursing home care.
Just like REVERSE MORTGAGES, STATE HELP, MEDICARE HAS BECOME A SCAM as well as AARP!
You don't find out about these things until you use what you've always thought was "yours" to have.
As others have noted, the STATE has requirements about what is needed, etc, and those are just passed along through the NH. More than likely they do need to know ALL the facts...
Best bet is to consult with an Elder Care attorney as they know all the ins and outs about asset protection, applying for Medicaid, etc.
Perhaps you can visit an elder care attorney.
He can advise on ways to protect SOME assets and offer guidance on available financial aid.
If LTC Medicaid in your state runs as I dealt with for my mom & mil in TX & LA, the NH has the states Medicaid application which is filled out at the NH between the incoming resident and thier family along with admissions at the NH. NH usually gives the resident, spouse or DPOA a list of items needed to accompany the application - this list comes from the state but the NH may type to up in their own format.
Why thier own format is cause the NH has a system they do to review the applications. For my mom in TX, listwas a page; but for MIL her NHs list was 2 pages. All this - the application & documentation- in turn the NH sends all to the state caseworker along with their (the NH) bill.
Also about the NH review, NH can a review the documentation to see if there seems to be any glaring issues or other redflag type of items (like home got sold recently and House sale $ is gone) that could/would / should be problematic and if so the NH won’t accept them as a “Medicaid Pending” resident. If this NH has any hesitation on admitting your hubs as “Pending” my suggestion is make a call to an elder law atty asap.
You as a CS are NOT expected to impoverish yourself.
Only hubs has to meet the tight financial limitations of LTC Medicaid and be impoverished with only 2k in assets & in theory his monthly income getting paid to the NH. Your income is NOT a factor in his eligibility and you are allowed to have your own assets (usually it’s 119k). Plus If you need some of his monthly income to cover your own household and health care expenses then you should get a waiver to have some or all of his own monthly income diverted (waived) to you via CSRA / MMNA instead of being paid to the NH. But doing stuff like this is kinda overwhelming for a CS as your focused on your hubs.
Neither the NH or Medicaid have to explain to you how your joint assets & your income can get shifted or restructured to benefit you (like have savings over 119k moved to income for you). Nor should they as that gets wading into legal issues. For a CS - to me - you really can benefit from having an elder law atty deal with his Medicaid application.
For women especially, our hubs usually have had the higher income. Having his SS & retirement & our joint savings removed from us places us into being financially insecure. 119k could be just fine for a CS that’s 92 but for a CS younger &/or likely to outlive the NH spouse by years or decades, it’s not enough. A good elder law atty can give you options as how to maximize the $. I’d try to get one that NAELA or CELA level of expertise.