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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:
I applied for Aids and Attendance in Sept. After over six months, Mom was turned down because...she made 20K a year and they only allow 13k for a surviving spouse. My Mom was paying 4500 a month for an AL. Didn't appeal since I knew Mom was going on Medicaid. Does this woman have family? If so, they should be helping her. If not, she needs to call her supplemental insurance to see if an aide is covered. If not, Medicaid can be called in to evaluate for one but she is going to have to prove her finances. Office of Aging can also evaluate for an aide. In the meantime does she need a shower chair? A handheld shower head. Rails in the tub. You can get suction cup kind that I personally had no problem with.
The only type of insurance we know that covers non-medical home care (personal care, companionship, errands) is Long-term care insurance and even that requires a grace period where you will have to pay out of pocket usually 30-90 days.
For more affordable options, I would check with your care manager because there are options for Veterans, Social Security and other low-income.
I would suggest contacting the local Eldercare agency in your area and discuss best options. Medicare insurance may cover a few hours a week of a home aide for bathing and light home assistance. If daily help is needed, the coverage tends to be inadequate. If your friend qualifies for Medicaid, there are programs which can provide in home aides. However, funding is limited and there is often a waiting list. I ultimately hired an eldercare expert to help. Spending money to get help getting money for my Dad seemed counterintuitive to me, but it was very worth it in the end. Within 2 months, he was qualified for Medicaid, then qualified for a program that paid for an in-home caregiver 30 hrs/week. I appealed based on his need, and it was increased to 56 hrs/week.
I may have read it wrong but I understood the $2000 per month to be a income based benefit where the total income/benefit is $2000/mo. So, if your SSI is $1995/mo, you would only get $5 per month.
Insurance per se does not cover home care. What Medicare covers is next to nothing. If not a vet, then out of pocket or some sort of public benefit are the remaining alternatives. This will likely start with an in-home assessment & go from there.
If this person was in the military and is a veteran there is a veterans benefit or if the spouse of a veteran called aid and assistance. If you can provide almost 2000 Per month if you follow the instructions on how to apply for it at your local VA office. However you'll find that $2000 goes quickly at the in-home care rates and depending on what type of care they need .there's a website called Veterancare.org or something like that you might want to research if the person is a veteran. Or you can research the topic on this website where it is discussed indepth -veterans assistance. Good luck with your journey.
Medicare does pay for limited home care. My mom was receiving both physical therapy and skilled nursing services at home through Medicare. However, the number of hours and services is very limited. If more care than that is needed, the can apply for Medicaid, which will provide home health care, including an aide for companion/personal services. There is also something called the Veteran's Aid and Attendance benefit. If the person or their spouse was in the military for 90 days or more and served at least one day during war time, they may be eligible for this benefit. It provides money for home care or assisted living. However, there are more eligibility criteria and I have heard it takes quite some time to get.
If your parents had purchased long term in-home insurance policy...then it would be available now.
But...you can't purchase the policy only when you need it! Many of those policies have no benefits in the first 5 years...and then a sliding scale each year after.
My parents bought such a policy in 2000. They both started collecting benefits in 2016. It is a decent policy...but 16 years of paying more than $600 a month was the price!
VaVolunteer, my parents also paid out of pocket for home care. Their accountant was able to deduct some cost on income taxes.
If your friend can qualify for Medicaid [which is different from Medicare] the State might have a program where they could send out an Aide for a few hours per week, but in your friend's case sounds like he/she needs much more care than that. Some States might pay you to be that person's caregiver, but the pay would be minimum with long hours.
Depending on the degree of care your elder friend needs, Medicaid might suggest a skilled nursing home who Medicaid would foot the bill. Now if your friend owns a house, a lien would be placed by Medicaid so that they could receive some type of reimbursement.
As for the family paying, only as a last resort. The family shouldn't need to drain their own retirement funds when Medicaid is available.
My Mom had end stage dementia. She was on Medicare. Medical insurance did not pay for home care. We paid out of pocket for PCAs from a homecare facility to stay with her nights so we could catch up on sleep. Medicare did however pay for Hospice care and supplies.
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.
Does this woman have family? If so, they should be helping her. If not, she needs to call her supplemental insurance to see if an aide is covered. If not, Medicaid can be called in to evaluate for one but she is going to have to prove her finances. Office of Aging can also evaluate for an aide. In the meantime does she need a shower chair? A handheld shower head. Rails in the tub. You can get suction cup kind that I personally had no problem with.
For more affordable options, I would check with your care manager because there are options for Veterans, Social Security and other low-income.
Medicare insurance may cover a few hours a week of a home aide for bathing and light home assistance. If daily help is needed, the coverage tends to be inadequate.
If your friend qualifies for Medicaid, there are programs which can provide in home aides. However, funding is limited and there is often a waiting list.
I ultimately hired an eldercare expert to help. Spending money to get help getting money for my Dad seemed counterintuitive to me, but it was very worth it in the end. Within 2 months, he was qualified for Medicaid, then qualified for a program that paid for an in-home caregiver 30 hrs/week. I appealed based on his need, and it was increased to 56 hrs/week.
I may have read it wrong but I understood the $2000 per month to be a income based benefit where the total income/benefit is $2000/mo. So, if your SSI is $1995/mo, you would only get $5 per month.
But...you can't purchase the policy only when you need it! Many of those policies have no benefits in the first 5 years...and then a sliding scale each year after.
My parents bought such a policy in 2000. They both started collecting benefits in 2016. It is a decent policy...but 16 years of paying more than $600 a month was the price!
If your friend can qualify for Medicaid [which is different from Medicare] the State might have a program where they could send out an Aide for a few hours per week, but in your friend's case sounds like he/she needs much more care than that. Some States might pay you to be that person's caregiver, but the pay would be minimum with long hours.
Depending on the degree of care your elder friend needs, Medicaid might suggest a skilled nursing home who Medicaid would foot the bill. Now if your friend owns a house, a lien would be placed by Medicaid so that they could receive some type of reimbursement.
As for the family paying, only as a last resort. The family shouldn't need to drain their own retirement funds when Medicaid is available.