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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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I consent to the collection of my consumer health data.*
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I consent to the sharing of my consumer health data with qualified home care agencies.*
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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:
Generally your bill receipt will show what portion is considered "care level". This is the amount that is considered care. Unfortunately, our tax man told us that it has to be quite high to be claimed and then often makes little difference in our elders who have not much income.
For tax year 2019, the IRS allows all taxpayers to deduct the total qualified unreimbursed medical care expenses for the year that exceeds 7.5% of their adjusted gross income. (Beginning in 2020, the amount increases to 10% of AGI).
For example, if you have an adjusted gross income of $45,000 and $5,475 of allowable medical expenses, you would multiply $45,000 by 0.075 (7.5 percent) to find that only expenses exceeding $3,375 can be deducted. This leaves you with a medical expense deduction of $2,100 (5,475 - 3,375).
Other people here have said the facility will give you a document that shows 'care level' expenses. You need to ask for that document.
Here's some info from Turbo Tax: Which medical expenses are deductible? The IRS allows you to deduct preventative care, treatment, surgeries and dental and vision care as qualifying medical expenses. You can also deduct visits to psychologists and psychiatrists. Prescription medications and appliances such as glasses, contacts, false teeth and hearing aids are also deductible. The IRS also lets you deduct the expenses that you pay to travel for medical care such as mileage on your car, bus fare and parking fees. What's not deductible? Any medical expenses for which you are reimbursed, such as by your insurance or employer, cannot be deducted. In addition, the IRS generally disallows expenses for cosmetic procedures. You cannot deduct the cost of non-prescription drugs (except insulin) or other purchases for general health such as toothpaste, health club dues, vitamins or diet food, non-prescription nicotine products or medical expenses paid in a different year.
"Nursing Home You can include in medical expenses the cost of medical care in a nursing home, home for the aged, or similar institution, for yourself, your spouse, or your dependents. This includes the cost of meals and lodging in the home if a principal reason for being there is to get medical care. Don't include the cost of meals and lodging if the reason for being in the home is personal. You can, however, include in medical expenses the part of the cost that is for medical or nursing care."
To clarify, regular assisted living costs (aka room and board) are NOT deductible, only qualified medical costs associated with the AL are covered (I don't have details on what those are.) Memory Care assisted living IS deductible, so anything over the %age of AGI can be deducted. It is considered a medical necessity, where regular AL is not.
I highly recommend finding an Enrolled IRS agent to process your/her/his taxes. IF you are covering the cost of the facility, you can likely claim her/him as a dependent and therefore can deduct the cost of MC. If her/his funds are paying for the MC, her taxes can take the deduction. If Medicaid is involved, that is another whole topic, but an Enrolled IRS agent should be able to sort this out!
From IRS web site: "An enrolled agent is a person who has earned the privilege of representing taxpayers before the Internal Revenue Service by either passing a three-part comprehensive IRS test covering individual and business tax returns, or through experience as a former IRS employee. Enrolled agent status is the highest credential the IRS awards. Individuals who obtain this elite status must adhere to ethical standards and complete 72 hours of continuing education courses every three years."
Go to https://taxexperts.naea.org/ and enter your zip code to get a list in your area. As stated above, they have to maintain good standing with the IRS and should know more than many tax preparers. Stay AWAY from places like HRB.
I did my mother's taxes until the year she moved to MC. I took her info to the Enrolled IRS Agent, needing help to ensure the MC cost was deductible and to process the Trust taxes (we set up a trust with most of her savings and later the proceeds from the sale of her condo. SS and pension cover less than 1/2 of the MC cost, so I have funds fed in as needed from the trust.) His fee was in line with others and once the first one processed, that year all the taxes withheld were refunded. I submitted a special no-tax status W4 to her pension once that was done (since I had to wait to see the outcome, she got a refund the next year for the 5+ months of withholding.) She now has NO taxes deducted and except for a small amount paid last year after the condo sale, she pays no taxes.
NOTE: The sale of the condo resulted in IRMMA jacking up her cost for Medicare, but the agent assured me that it will revert back again next year. You can look up IRMMA - basically if income is over 85k for 2019 or over 87k for 2020, the cost of Medicare goes up. They review every year, so it should revert back to the lower amount after any anomaly like mom's.
My dad and his wife both live in Assisted Living due to Dementia and they were able to use all of their rent and medication management as a medical expense after deducting 7.5% of the Adjusted Gross Income. I have a letter from their doctor on file stating it is necessary for them to live there (i.e. chronically ill due to dementia). Also, any out of pocket costs like co-pays for medication, doctor visits, specialists, dental, etc. I had to request a Rent Certificate from the AL facility but some of the expenses weren't listed (medication management, LOC), and also I had to ask for a separate one for my step mom (second tenant fee) which I didn't realize at the time so now I have to have an amendment because their taxes were already submitted. But it's worth it because it's a huge expense!
Long-Term Care You can include in medical expenses amounts paid for qualified long-term care services and certain amounts of premiums paid for qualified long-term care insurance contracts.
Qualified Long-Term Care Services
Qualified long-term care services are necessary diagnostic, preventive, therapeutic, curing, treating, mitigating, rehabilitative services, and maintenance and personal care services (defined later) that are: Required by a chronically ill individual, and Provided pursuant to a plan of care prescribed by a licensed health care practitioner.
Chronically ill individual.An individual is chronically ill if, within the previous 12 months, a licensed health care practitioner has certified that the individual meets either of the following descriptions. He or she is unable to perform at least two activities of daily living without substantial assistance from another individual for at least 90 days, due to a loss of functional capacity. Activities of daily living are eating, toileting, transferring, bathing, dressing, and continence. He or she requires substantial supervision to be protected from threats to health and safety due to severe cognitive impairment.
Maintenance and personal care services. Maintenance or personal care services is care which has as its primary purpose the providing of a chronically ill individual with needed assistance with his or her disabilities (including protection from threats to health and safety due to severe cognitive impairment).
My 93 yr old mother lives in a Memory Unit in Hawaii. Her facility has always sent a letter around tax time indicating what percentage or amount of her monthly resident fee would be deductible on her taxes. Maybe, ask the facility.
Bear in mind that you can only claim medical expenses if they exceed 7.5% of your AGI (Adjusted Gross Income). In addition, that would mean that you would be filing an Itemized Deduction Return. Sometimes you will have to take the Standard Deduction depending on your TOTAL ITEMIZED DEDUCTIONS.
Only the cost attributable to medical care and not custodial care is deductible on the taxes. Then only the cost that is above 10% of the income is deductible when itemizing the tax return. With the tax law changes for 2018 and the standard deduction increasing so much it is difficult to find more deductions to be over the standard deduction.
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.
You should also have the NEW CPA look at doing an amended return for last year if the savings is worth the expense.
For example, if you have an adjusted gross income of $45,000 and $5,475 of allowable medical expenses, you would multiply $45,000 by 0.075 (7.5 percent) to find that only expenses exceeding $3,375 can be deducted. This leaves you with a medical expense deduction of $2,100 (5,475 - 3,375).
Other people here have said the facility will give you a document that shows 'care level' expenses. You need to ask for that document.
Here's some info from Turbo Tax:
Which medical expenses are deductible?
The IRS allows you to deduct preventative care, treatment, surgeries and dental and vision care as qualifying medical expenses. You can also deduct visits to psychologists and psychiatrists. Prescription medications and appliances such as glasses, contacts, false teeth and hearing aids are also deductible.
The IRS also lets you deduct the expenses that you pay to travel for medical care such as mileage on your car, bus fare and parking fees.
What's not deductible?
Any medical expenses for which you are reimbursed, such as by your insurance or employer, cannot be deducted. In addition, the IRS generally disallows expenses for cosmetic procedures. You cannot deduct the cost of non-prescription drugs (except insulin) or other purchases for general health such as toothpaste, health club dues, vitamins or diet food, non-prescription nicotine products or medical expenses paid in a different year.
Hope this helps sort things out.
"Nursing Home You can include in medical expenses the cost of medical care in a nursing home, home for the aged, or similar institution, for yourself, your spouse, or your dependents. This includes the cost of meals and lodging in the home if a principal reason for being there is to get medical care. Don't include the cost of meals and lodging if the reason for being in the home is personal. You can, however, include in medical expenses the part of the cost that is for medical or nursing care."
To clarify, regular assisted living costs (aka room and board) are NOT deductible, only qualified medical costs associated with the AL are covered (I don't have details on what those are.) Memory Care assisted living IS deductible, so anything over the %age of AGI can be deducted. It is considered a medical necessity, where regular AL is not.
I highly recommend finding an Enrolled IRS agent to process your/her/his taxes. IF you are covering the cost of the facility, you can likely claim her/him as a dependent and therefore can deduct the cost of MC. If her/his funds are paying for the MC, her taxes can take the deduction. If Medicaid is involved, that is another whole topic, but an Enrolled IRS agent should be able to sort this out!
From IRS web site:
"An enrolled agent is a person who has earned the privilege of representing taxpayers before the Internal Revenue Service by either passing a three-part comprehensive IRS test covering individual and business tax returns, or through experience as a former IRS employee. Enrolled agent status is the highest credential the IRS awards. Individuals who obtain this elite status must adhere to ethical standards and complete 72 hours of continuing education courses every three years."
Go to https://taxexperts.naea.org/ and enter your zip code to get a list in your area. As stated above, they have to maintain good standing with the IRS and should know more than many tax preparers. Stay AWAY from places like HRB.
I did my mother's taxes until the year she moved to MC. I took her info to the Enrolled IRS Agent, needing help to ensure the MC cost was deductible and to process the Trust taxes (we set up a trust with most of her savings and later the proceeds from the sale of her condo. SS and pension cover less than 1/2 of the MC cost, so I have funds fed in as needed from the trust.) His fee was in line with others and once the first one processed, that year all the taxes withheld were refunded. I submitted a special no-tax status W4 to her pension once that was done (since I had to wait to see the outcome, she got a refund the next year for the 5+ months of withholding.) She now has NO taxes deducted and except for a small amount paid last year after the condo sale, she pays no taxes.
NOTE: The sale of the condo resulted in IRMMA jacking up her cost for Medicare, but the agent assured me that it will revert back again next year. You can look up IRMMA - basically if income is over 85k for 2019 or over 87k for 2020, the cost of Medicare goes up. They review every year, so it should revert back to the lower amount after any anomaly like mom's.
From the IRS website - under Long-Term Care (https://www.irs.gov/publications/p502#en_US_2019_publink1000178953)
Long-Term Care
You can include in medical expenses amounts paid for qualified long-term care services and certain amounts of premiums paid for qualified long-term care insurance contracts.
Qualified Long-Term Care Services
Qualified long-term care services are necessary diagnostic, preventive, therapeutic, curing, treating, mitigating, rehabilitative services, and maintenance and personal care services (defined later) that are:
Required by a chronically ill individual, and
Provided pursuant to a plan of care prescribed by a licensed health care practitioner.
Chronically ill individual.An individual is chronically ill if, within the previous 12 months, a licensed health care practitioner has certified that the individual meets either of the following descriptions.
He or she is unable to perform at least two activities of daily living without substantial assistance from another individual for at least 90 days, due to a loss of functional capacity. Activities of daily living are eating, toileting, transferring, bathing, dressing, and continence.
He or she requires substantial supervision to be protected from threats to health and safety due to severe cognitive impairment.
Maintenance and personal care services. Maintenance or personal care services is care which has as its primary purpose the providing of a chronically ill individual with needed assistance with his or her disabilities (including protection from threats to health and safety due to severe cognitive impairment).
Hope this helps?!