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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.
Remember, this assessment is not a substitute for professional advice.
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Would this be considered income and have to be reported to IRS? We also heard that she "could" designate a gift of $12,000 a year, true? Is this reportable income to the receipient?
Definitely look into declaring your mother as an adult dependent and work with an accountant who knows Medicaid law, and perhaps an attorney as well. You should be able to do something here, but you need to be careful because of the Medicaid look back time. Do it all legally and keep good records. Get expert help and it should be okay. Yes, in most instances, $12000 a year can be "gifted" without you being taxed, but again check with an accountant. Carol
We declare my mom as a dependent and collect room and board. Less expensive than a NH!!!!! If we didn't, she could not stay with us. We will not go into debt to take care of her!
Here is what concerns us; If Mother were to enter a nursing facility, and knowing the monthly costs plus sundry expenses, her meger savings would dry up in a hurry. Then....when funeral expenses hit, and hers would be high and she wants to be sent across the country to be buried, it would be up to us to foot the bill. 10-15K is not out of the question. No insurance or any other help is there, just us. Her sisters might kick in but can't depend of that. NO matter how I impress her how important it would be to pre-pay the funeral I just can't get thru. So now you see where the 12K "gift" would help us out. I don't think the "look back" comes into play on a gift, and don't think it is a taxable item.
My siblings are worthless. Me and my husband care for my Mom. Fortunately my husband retired April 2009 and offered to be the caregiver for my Mom. I pay him, just as I paid my siblings when she was in their care. I pick up the caregiving when I get home from work, and I shower, wash her hair and change her colostomy bag. I do not feel the least bit guilty charging my Mom because she is getting much better care than she would if she was still at my brothers' homes or in a nursing home. I also pay myself too.
xbassman Look into the gift. It may be asked back for if and when she goes into a NH and Medicaid has to pay. However, room and board is OK. We do it and could not make ends meet with her expenses if we didn't
Everyone can gift money to their children -- $12,000 per year to each child. It's the law. However, why couldn't she just share the expenses since she's living in the home, much the same as a roommate would?
mqflowers I don't think so, but better ask an accountant. I take money every year and put it into a CD. That way, if she needs it, the money is there, just not in her name.
Your best solution would be to have an attorney specializing in elder law draw up a "care giver's contract" for you which specifies the amount that would be paid to you and for what reasons it would be paid. By creating a care contract, you are assuring Medicaid that this is a legitimate payment coming from your parent's account and it will not create a problem when they "look back".
It is true that parents are allowed to gift their children $12,000 per year but that only applies to income tax, not Medicaid. Medicaid will count that as a non legitimate expense and your elder parent may not qualify for Medicaid until that $12,000 is repaid.
The money received from your parent MUST be declared but there are usually enough deductions to off-set the increase in income. Keep track of all miles incurred when taking your parent to appointments, etc. Keep track of the amount of space that they are utilizing in your home, etc.
In reality, you are saving your parent money by caring for her and as long as you are putting forth your best effort in caring for her, then you must realize that it is your right not to suffer in doing so. Just make sure you have all your "ducks in a row" so-to-speak.
Sharing expenses is a good thing and believe we will investigate and come up with a equitable monthly room and board fee. That still does not eliminate the baloon note that is looming over us when Mother passes for funeral expenses.
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.
Carol
Look into the gift. It may be asked back for if and when she goes into a NH and Medicaid has to pay. However, room and board is OK. We do it and could not make ends meet with her expenses if we didn't
I don't think so, but better ask an accountant. I take money every year and put it into a CD. That way, if she needs it, the money is there, just not in her name.
It is true that parents are allowed to gift their children $12,000 per year but that only applies to income tax, not Medicaid. Medicaid will count that as a non legitimate expense and your elder parent may not qualify for Medicaid until that $12,000 is repaid.
The money received from your parent MUST be declared but there are usually enough deductions to off-set the increase in income. Keep track of all miles incurred when taking your parent to appointments, etc. Keep track of the amount of space that they are utilizing in your home, etc.
In reality, you are saving your parent money by caring for her and as long as you are putting forth your best effort in caring for her, then you must realize that it is your right not to suffer in doing so. Just make sure you have all your "ducks in a row" so-to-speak.
Shelley
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