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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.
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For an individual on Medicaid their homestead and a car are an exempt assets under Medicaid LTC rules by & large for all states. But due to the copay or SOC (share of cost) of their monthly income that GuestShoppe wrote about, the Medicaid applicant/NH resident will not have $ realistically to support the costs of the property.
If they want to keep the house &/or car they can, but somebody is going to need to pay all costs & deal with the whatever’s on the place or the car from day 1 of medicaid till beyond death and then deal with Medicaid Estate Recovery (MERP) system & perhaps open probate. It can be done but to me, if there is a mortgage it doesn’t make sense as the costs probably get to be too much and you have doubled risk (mortgage co & MERP) on $ & time associated with a property you don’t own & may not ever own.
Some states have waivers to deal with mortgage situation. I’d suggest that you clearly ask the Medicaid caseworker if your state does a time limited waiver of part of the SOC to pay the mortgage. When I did my mom’s Medicaid application in TX, the caseworker told me about the waiver. The waiver for TX is for mortgage costs IF property has a current MLS listing with a Realtor... property is expected to be sold within 3-6 months. So no FSBO nonsense. It makes sense for states to do a waiver like this as once house sells hopefully there is equity back to Medicaid the owner once mortgage is paid; AND that equity $ then becomes a spend down to be used for their care. So less costs for Medicaid. Much better than letting it fall to foreclosure and likely getting nothing but maybe a 1099-C to deal with for taxes.
Also something to think about..... if you (you not your elder) spend $ to do anything to the property to make it market ready (like new carpeting, landscaping) or to be compliant for mortgage requirements (insurance, utilities active), you cannot be easily repaid your costs from the proceeds of the sale of the home. The property is in your elders name so when it sells and mortgage paid off any $ left over is theirs. And property sales are recorded at the courthouse to the penny. So Medicaid will fully expect all of the $ from sale after mortgage paid off to be used in a spend down. And only until the spend down is properly done & they find themselves financially impoverished again can they reapply for Medicaid.
Nursing homes don’t take assets. Nursing homes are paid by a state and federal government program called Medicaid. Medicaid files a lien which means you can’t sell the house and keep the money without repaying the lien. Once a person goes into nursing home on Medicaid, all their income goes to the nursing home minus a small personal needs allowance, usually $60-100. There is no money left to pay mortgage. Or taxes. Or utilities. The nursing home does not pay mortgage, it does not own house. Family pays mortgage and all other house costs, or person allows bank repossess house. If there is a spouse that needs part of the income to live, you talk to Medicaid about spouse allowance. But nursing home or Medicaid do not pay mortgage.
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.
If they want to keep the house &/or car they can, but somebody is going to need to pay all costs & deal with the whatever’s on the place or the car from day 1 of medicaid till beyond death and then deal with Medicaid Estate Recovery (MERP) system & perhaps open probate. It can be done but to me, if there is a mortgage it doesn’t make sense as the costs probably get to be too much and you have doubled risk (mortgage co & MERP) on $ & time associated with a property you don’t own & may not ever own.
Some states have waivers to deal with mortgage situation. I’d suggest that you clearly ask the Medicaid caseworker if your state does a time limited waiver of part of the SOC to pay the mortgage. When I did my mom’s Medicaid application in TX, the caseworker told me about the waiver. The waiver for TX is for mortgage costs IF property has a current MLS listing with a Realtor... property is expected to be sold within 3-6 months. So no FSBO nonsense. It makes sense for states to do a waiver like this as once house sells hopefully there is equity back to Medicaid the owner once mortgage is paid; AND that equity $ then becomes a spend down to be used for their care. So less costs for Medicaid. Much better than letting it fall to foreclosure and likely getting nothing but maybe a 1099-C to deal with for taxes.
Also something to think about..... if you (you not your elder) spend $ to do anything to the property to make it market ready (like new carpeting, landscaping) or to be compliant for mortgage requirements (insurance, utilities active), you cannot be easily repaid your costs from the proceeds of the sale of the home. The property is in your elders name so when it sells and mortgage paid off any $ left over is theirs. And property sales are recorded at the courthouse to the penny. So Medicaid will fully expect all of the $ from sale after mortgage paid off to be used in a spend down. And only until the spend down is properly done & they find themselves financially impoverished again can they reapply for Medicaid.