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Who are you caring for?
Which best describes their mobility?
How well are they maintaining their hygiene?
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?
Which best describes your loved one's social life?
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.
Share a few details and we will match you to trusted home care in your area:
You need to see an Elder Lawyer and have your assets split. Wife's split going towards her care. About 60 to 90 days before her split runs out, you apply for Medicaid. That's when the OIT comes into the picture. Its used when the recipient's monthly income is higher than the income cap allowed. The overage gets put into a QIT that is regulated my Medicaid.
QIT, or "Miller Trust" is a trust that you do when someone is "monthly-income-rich" but "assets-poor". It is very complicated. It occurs when a person has monthly income over the amount that qualifies them as medically-needy of Medicaid money for extended care costs. For instance, a person may have 2,500 in SS, but ALSO have a small pension that puts them just over the amount to qualify. Yet, at about 3,500 a month in income they don't qualify, say, for Medicaid help.
This is when an Elder Law Attorney helps to create a trust in which a portion of the applicant's "guaranteed income " (Usually their SS funds) ; the BENEFICIARY of said Trust is usually the state, as they will want to "claw back" or "recover" any leftover funds of this person on his or her death.
When a spouse is involved, as in your case, you often have combined income problems and problems of preserving the spouse's portion (yours) of care assets and monthly income for his/her own expenditures and care needs.
As you can see it all become exceptionally complicated. Therefore, you require an Elder Law Attorney for this work, not the opinions and guesswork of a Forum of people who don't even know the requirements for your own state, nor the qualifications. We are just caregivers. Expert advice means you need experts, whether legal, financial or medical. WE can only wish you good luck finding great help for your particular unique circumstances.
If you are asking how to do this, you don't provide any info in your profile, like what state you are in (since the trust rules may vary by state), but here is what I found doing a basic browser search for QITs:
"Setting up a QIT You can set up a QIT account at the same bank where you deposit your income to make it easier to move money. The trustee of the trust can open a bank account in the name of the trust at almost any bank.
Taxpayer ID number A QIT does not require a separate tax payer ID number (EIN). Instead, the IRS will use the applicant's Social Security number."
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.
For instance, a person may have 2,500 in SS, but ALSO have a small pension that puts them just over the amount to qualify. Yet, at about 3,500 a month in income they don't qualify, say, for Medicaid help.
This is when an Elder Law Attorney helps to create a trust in which a portion of the applicant's "guaranteed income " (Usually their SS funds) ; the BENEFICIARY of said Trust is usually the state, as they will want to "claw back" or "recover" any leftover funds of this person on his or her death.
When a spouse is involved, as in your case, you often have combined income problems and problems of preserving the spouse's portion (yours) of care assets and monthly income for his/her own expenditures and care needs.
As you can see it all become exceptionally complicated.
Therefore, you require an Elder Law Attorney for this work, not the opinions and guesswork of a Forum of people who don't even know the requirements for your own state, nor the qualifications. We are just caregivers.
Expert advice means you need experts, whether legal, financial or medical. WE can only wish you good luck finding great help for your particular unique circumstances.
"Setting up a QIT
You can set up a QIT account at the same bank where you deposit your income to make it easier to move money. The trustee of the trust can open a bank account in the name of the trust at almost any bank.
Taxpayer ID number
A QIT does not require a separate tax payer ID number (EIN). Instead, the IRS will use the applicant's Social Security number."