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Who are you caring for?
Which best describes their mobility?
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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.
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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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That was a great answer the sooner you plan for the future the better off you will be.ost people live in a nursing home 5-8 years so if they have any assests they usually are used up ,nursing homes charge about $450.00 a day so it does not take long for there savings to be used up-then you have MD visits and meds and PT added on to the cost.
You should DEFINITELY see an attorney ASAP. Talk with them about protecting assets, capital gains taxes and medicaide criteria for disposal of assets and look backs. At first glance, I'd say that you didn't meet the state's look back period for application to Medicaide. Since a large asset was transfered before this period was over, they expect you to "buy" it or provide for his care until the look back period is met. Example of 5 yr (60 month) lookback: Mom gives me her house (value $100k) then 55 months later applies for medicaide. She would be disqualified for 5 months (60 months - 55 months) because the application was done BEFORE the 5 years (60 months) was up. The idea is that I - as receiver of her money - should pay for the 5 months until the 5 years or 60 months was up. Notice I say "should" - that's the rub - perhaps I don't have the funds or I can't sell the house with enough to pay for her care! It forces us to plan ahead - WAY ahead!
Most states used to have 2 or 3 years look back but they've expanded it to 5 or 7. It's designed to ensure that people pay their own way rather than "get poor" really fast to qualify for state aid. If YOU sell now, you'll likely be subject to capital gains taxes THEN you'll have to pay for Dad's care - in short, you'll get very little. It might be wiser to sell in HIS name to avoid capital gains taxes but he'll have to "spend down" that money to qualify for medicaide - and that means he still CANNOT give you large sums of money without some penalty like I described above. Be advised that the spend down means he'll have to use all his assets until he's down to his last $2000 or 2500.
Best of luck - let us know how it works out.
Depending on exactly how your father "signed over" his property, you might be able to keep it. I have specific experience with something called a "life estate". It's basically a gift deed from parent to child or individual to beneficiary. The childs ownership percentage goes up each year as the parents ownership interest decreases. The state may still put liens on the parents percentage but it only applies as long as the parent is ALIVE. As soon as the parent dies, the ownership is completely transfered thus there is no property to attach a lien.
In NJ (and other states) if an adult child has resided in the parent's home for more than two years as a caretaker, the home can legally be transferred to the child if the parent goes into a nursing home. The home will then be in the child's name and will not be able to be considered a countable asset when the parent applies for Medicaid. The 5 year lookback period will not affect this transfer - it can be done just before or even during the parent's move to the nursing home. (Best to check with an elder lawyer for exact details on the timing. Actually, best to check with an elder lawyer before moving a parent to a NH in any case.) To get more info on this, Google "Caretaker child exemption". Try to find out if this applies to North Carolina.
Have you seen an elder lawyer he or she would be the one to see -someone in NC in the county he lives in and let them deal with the nursing home-if they-the nursing home is talking about medicaide they have rules on how long a time has to be that something can be signed away they are concerned that some people give away assests just before going into a nursing home so they will qualify for medicaide-it is very important to do things right to begin with.
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.
Most states used to have 2 or 3 years look back but they've expanded it to 5 or 7. It's designed to ensure that people pay their own way rather than "get poor" really fast to qualify for state aid. If YOU sell now, you'll likely be subject to capital gains taxes THEN you'll have to pay for Dad's care - in short, you'll get very little. It might be wiser to sell in HIS name to avoid capital gains taxes but he'll have to "spend down" that money to qualify for medicaide - and that means he still CANNOT give you large sums of money without some penalty like I described above. Be advised that the spend down means he'll have to use all his assets until he's down to his last $2000 or 2500.
Best of luck - let us know how it works out.
Depending on exactly how your father "signed over" his property, you might be able to keep it. I have specific experience with something called a "life estate". It's basically a gift deed from parent to child or individual to beneficiary. The childs ownership percentage goes up each year as the parents ownership interest decreases. The state may still put liens on the parents percentage but it only applies as long as the parent is ALIVE. As soon as the parent dies, the ownership is completely transfered thus there is no property to attach a lien.