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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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If she does not want/need anything purchased for her, any money that builds up, but is not spent, just goes to the state after she dies. It is like a forced savings account. This irrevocable trust requires any left over funds be paid to the state.
SS check is received as "income" and deposited. Next, $82.00 is taken out of her SS and deposited into her personal needs account. Since the $82.00 is part of the income when she first receives it, Medicaid can not say it's "income" a second time around. Since the $82.00 must be deposited into a separate trust account each month no matter what, it becomes a forced savings plan/account. Medicaid will not be upset if there is money building in her account as the state gets that money after your aunt dies.
Thank you House plant, that is very helpful. I was told when she dies, that account that now has $2000.00 in her personal account at the assisted living, will go to her estate and eventually go-to her next of kin (her son), which is fine. Do you know where there is anything published specifically about this because it has her money over the Medicaid threshold by $2000.00 if it is counted, which I hear what you are saying that it's not. This stuff scares me honestly.
When Mom died, all I had to do was prove I was Executor of her estate and I received the balance of her PNA fund from the finance Dept of the NH.which was about 195. I doubt if they would have done this if the state was to receive it. Now maybe if a resident has no family or will it reverts back but not in my case. This money is theirs to do whatever they want with it. Buy clothing, food out of the vending machine, takeout, etc. It's their spending money.
If Mom is admitted under private pay and paying for all her care, monies left over in a personal account would still be hers when she died. The government can't take her money if she owes them no money. It sounds like Medicaid is paying the bill and requiring the $82.00/mo. A resource (Mom's savings) above 2K is paid to the state INDIRECTLY. FPOA writes the check payable to the snf. FPOA (you) will re-obtain numerous up-to-the-moment documents. She's wiped out her lifetime 2K forced savings. Her income is still low + her savings disappeared. It cost about $6K/mo for my spouse's nursing home. If $2K is saved, his forced savings must be spent or paid to the snf. I would write a $2,000.00 check to the snf. I would still have to re-submit updated documents. She may need or want something several months down the road. If she doesn't want/need anything now, just figure out something to buy to keep her below the 2K limit. Whether she has $2.00 or $2,000.00 it becomes part of her estate when she dies. Heirs can not take/receive any monies from your mom's estate because she will owe to the state.
The second part of the answer, as it applies in my state is explained by the Department of Community Health's Estate Recovery Program. It states "The QIT [Qualified Income Trust aka personal needs account] terminates upon the death of the applicant, or upon the express written authorization and approval of the Department of Community Health". "Any money left in the QIT after the death of the applicant is paid to the state of Georgia up to the total amount of benefits paid on behalf of the applicant for medical care". It further states: "Any remaining funds are paid to the remainder beneficiaries as specified in the QIT document". It just happens that in our state, we are required to list the state as the primary beneficiary of the QIT account. Further into my document it states "Write a check for the balance of the trust fund made payable to Georgia Department of Community Health". It further instructs: "A copy of the bank statement should be enclosed to confirm the balance. A cover letter or memo must include a brief explanation that the enclosed check is from a QIT. Thee cover letter and check should clearly identify the decedent by name, Social Security number and/or Medicaid number". Finally it states in bold print: "No other checks should be written from the QIT account after the individual's death". Depending upon your state it will read a little different. What I typed here applies after my spouse in the nursing home dies. After Mom died, I quickly received an Estate Recovery letter for any debts owed the state of CA. My mom, however did not use Medicaid, so I did not have to endure that process with the state of CA. For GA I will as my spouse must be in the nursing home.
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.
SS check is received as "income" and deposited. Next, $82.00 is taken out of her SS and deposited into her personal needs account. Since the $82.00 is part of the income when she first receives it, Medicaid can not say it's "income" a second time around.
Since the $82.00 must be deposited into a separate trust account each month no matter what, it becomes a forced savings plan/account.
Medicaid will not be upset if there is money building in her account as the state gets that money after your aunt dies.
It sounds like Medicaid is paying the bill and requiring the $82.00/mo. A resource (Mom's savings) above 2K is paid to the state INDIRECTLY. FPOA writes the check payable to the snf. FPOA (you) will re-obtain numerous up-to-the-moment documents. She's wiped out her lifetime 2K forced savings. Her income is still low + her savings disappeared.
It cost about $6K/mo for my spouse's nursing home. If $2K is saved, his forced savings must be spent or paid to the snf. I would write a $2,000.00 check to the snf. I would still have to re-submit updated documents.
She may need or want something several months down the road. If she doesn't want/need anything now, just figure out something to buy to keep her below the 2K limit.
Whether she has $2.00 or $2,000.00 it becomes part of her estate when she dies. Heirs can not take/receive any monies from your mom's estate because she will owe to the state.
"Any money left in the QIT after the death of the applicant is paid to the state of Georgia up to the total amount of benefits paid on behalf of the applicant for medical care".
It further states: "Any remaining funds are paid to the remainder beneficiaries as specified in the QIT document".
It just happens that in our state, we are required to list the state as the primary beneficiary of the QIT account.
Further into my document it states "Write a check for the balance of the trust fund made payable to Georgia Department of Community Health". It further instructs: "A copy of the bank statement should be enclosed to confirm the balance. A cover letter or memo must include a brief explanation that the enclosed check is from a QIT. Thee cover letter and check should clearly identify the decedent by name, Social Security number and/or Medicaid number".
Finally it states in bold print: "No other checks should be written from the QIT account after the individual's death".
Depending upon your state it will read a little different. What I typed here applies after my spouse in the nursing home dies. After Mom died, I quickly received an Estate Recovery letter for any debts owed the state of CA. My mom, however did not use Medicaid, so I did not have to endure that process with the state of CA. For GA I will as my spouse must be in the nursing home.