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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?
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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.
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Cost for facilities are so expensive our money will not last long. How about care for myself down the road? There may not be any funds left. We have no Long Term Insurance.
As others have stated, Medicaid planning is not a a do-it-yourself task, because of the complexities of both the federal and state laws, regulations, and practices. However, it is a good idea to arm yourself with knowledge of what the rules are and what the possibilities are to protect your assets, before you visit with an elder law attorney. Indeed, I even include a section of my book that gives some tips on how to find a good attorney. (www.MedicaidSecrets.com) Good luck!!
See an elder law attorney to assist with financial planning and Medicaid. You will not lose your home, Medicaid will place liens on it to recoup care expenses. You can remain in the house.
Medicaid planning when here is a CS - Community Spouse- is complex. You need an attorney to review your situation come up with options BEFORE a Medicaid application is ever done. Medicaid does not expect the CS to themselves become impoverished. Only the NH spouse needs to be. But how to best do that is not a DIY.
Agreed with suggestions about NAELA attorneys, but keep in mind that not all are the same. Some good, some not. Most give you a free consultation first, so call up 4-5 and pretend you want to do business with them. From each free session, you will learn more and more what to ask and compare your notes on them. Hopefully, you will arrive at one that suits you the best.
Do research on them online. Three immediate questions to ask all of them are: Are they certified? How much experience do they have with Medicaid planning? Can they respond to questions by email and quickly? I find email answers are useful because I can always go back to them to reread their answers. You wont remember every little fact they tell you verbally.
You definitely need to see an elder law attorney for Medicaid planning. You need a good lawyer. Here's my recommendation on how to make sure you get a competent lawyer.
Contact your local chapter of the Alzheimer's association. They all have support groups. Join one. Even if it's temporary. Even if your spouse has not be diagnosed with Alzheimer's per se. The reason for this is, they have resources. They have relationships with reputable elder law attorneys. Often, these attorneys do free Medicaid planning seminars or informational sessions for support group members. Attend one (or two) and ask a lot of questions. These attorneys have been vetted by the Alzheimer's association, and often, their firms are accepting new clients.
That should really be your first step. Good luck. And if there is no seminar scheduled, ask for whatever information they have from previous seminars, or simply ask them for a referral. Their whole purpose is to help the people dealing with cognitive impairment, and their families.
It is imperative to get an elder attorney, and I agree, they are not all the same. I saw three before I chose one, and feel like I got really lucky. Depending on the rules in your state, there are a number of things that can be done to protect your assets. In some cases, a judge can issue a protective order that would allow you to keep everything and your husband would immediately qualify for Medicaid. Good luck, it’s a long journey.
Had the same concern about losing my home. I see the funds going down fast after two years in ALZ care facility. My understanding is when all his savings are gone a lien will be placed on our home. I cannot be forced out of my home or left without any funds to continue to live here. When I pass the funds owed to the facility will be paid from the estate. Whatever is left after that goes to family.
I'll add that I have attended 3 of these seminars and the attorney explained how the community spouse is able to keep the house and virtually all the assets, but this HAS to be set up right.
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’d suggest you get an atty who is CELA or NAELA.
Do research on them online. Three immediate questions to ask all of them are: Are they certified? How much experience do they have with Medicaid planning? Can they respond to questions by email and quickly? I find email answers are useful because I can always go back to them to reread their answers. You wont remember every little fact they tell you verbally.
Good luck.
Contact your local chapter of the Alzheimer's association. They all have support groups. Join one. Even if it's temporary. Even if your spouse has not be diagnosed with Alzheimer's per se. The reason for this is, they have resources. They have relationships with reputable elder law attorneys. Often, these attorneys do free Medicaid planning seminars or informational sessions for support group members. Attend one (or two) and ask a lot of questions. These attorneys have been vetted by the Alzheimer's association, and often, their firms are accepting new clients.
That should really be your first step. Good luck. And if there is no seminar scheduled, ask for whatever information they have from previous seminars, or simply ask them for a referral. Their whole purpose is to help the people dealing with cognitive impairment, and their families.
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