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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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I have read there are ways to pass your home on to an heir and not be required to sell it and be forced to use the money to pay for nursing home care. But I'm not sure how possible this is, it possible at all. Thanks!
This will depend on laws in your state. As said below, you need an elder care attorney. That’s the only you can do this. and It is NOT cheap to have them set any of this stuff up.
There are lawyers who work in elder care and trust who will help you decide if this is the move you want to make, and they will charge anywhere from 350 to 700 an hour to do so. It is quite costly. The key word when you call to see if the lawyer specializes in such things is "assets preservation". Many lawyers who specialize in this work will meet with you free for one hour consultation, but listening to the legalese will be confusing to say the least; so if you meet with one do take along someone else, so there are four ears to hear it. However, do know that the monies you have, howEVER they are invested, are your monies, and they stand to help you manage YOUR life, pay for your needs. To pretend that you have no assets, to let the government then pay your costs--well, the government frowns upon it, and will be somewhat relentless in attempting to recover costs from you whether you are living or dead. Almost as relentless as Laywers, hee hee.
JLSeagull, I fully understand you wish to keep a home in the family, that is a very powerful request.... but would it be fair to us taxpayers who fund Medicaid to pay for your care when you have equity in a home that will help pay toward your care?
My house and other assets are in a Revocable Trust, but if for some reason I need to use Medicaid for around the clock care, those assets need to be use first before Medicaid would kick in.
But who knows down the road what Congress will change and if any new rules will be put into place. I know Congress is currently messing with our IRA's [Individual Retirement Account] changing how it can be distributed to heirs. The Bill has currently passed the House, so if it passes the Senate and the Presidents signs off on it, I will need to make changes to my Trust.... [sigh].
Yes, Medicaid does not count the house as an asset/income. But the problem arises that if it sells it sells for Market Value and the proceeds will go to your care. The other side is, if it doesn't sell, you have no money to pay mortgage, bills or upkeep. If a family member wants to foot the bill, no guarantee they can be reimbursed upon the sale.
If you are married, that person becomes the Community Spouse anfd will be allowed to remain in the house. Upon ur death, a lean will be put on the house but monies not recouped until the death of the C. Spouse or he/she leaves the house. There is more to this scenario, but this is basic.
For me, I would not buy a house to protect money. The housing market goes up and down. You could pay 200k and in ten years the property will only sell for 150k. You have lost 50k. I suggest you see a lawyer well versed in Medicaid.
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.
However, do know that the monies you have, howEVER they are invested, are your monies, and they stand to help you manage YOUR life, pay for your needs. To pretend that you have no assets, to let the government then pay your costs--well, the government frowns upon it, and will be somewhat relentless in attempting to recover costs from you whether you are living or dead. Almost as relentless as Laywers, hee hee.
My house and other assets are in a Revocable Trust, but if for some reason I need to use Medicaid for around the clock care, those assets need to be use first before Medicaid would kick in.
But who knows down the road what Congress will change and if any new rules will be put into place. I know Congress is currently messing with our IRA's [Individual Retirement Account] changing how it can be distributed to heirs. The Bill has currently passed the House, so if it passes the Senate and the Presidents signs off on it, I will need to make changes to my Trust.... [sigh].
If you are married, that person becomes the Community Spouse anfd will be allowed to remain in the house. Upon ur death, a lean will be put on the house but monies not recouped until the death of the C. Spouse or he/she leaves the house. There is more to this scenario, but this is basic.
For me, I would not buy a house to protect money. The housing market goes up and down. You could pay 200k and in ten years the property will only sell for 150k. You have lost 50k. I suggest you see a lawyer well versed in Medicaid.