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
[email protected] 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 I am consenting on behalf of someone else, I have the proper authorization to do so. By clicking Get My Results, you agree to our
Privacy Policy. You also consent to receive calls and texts, which may be autodialed, from us and our customer communities. Your consent is not a condition to using our service. Please visit our
Terms of Use. for information about our privacy practices.
I'm pretty sure they are different taxable events. & I’m guessing that you have not been in the past including any of this $ in your joint taxes? Would that be accurate?
Has brother (dads guardian) been including the $ gifted in any of his reporting to the court under guardianship requirements? It’s been 17 years of guardianship, right? Did reporting fall off the courts radar over time? If it would be accurate to say your bro has been somewhat casual in his guardianship & it’s required fiduciary duty, please pls pls both of you find an attorney to go through this mess and soon.
Something is going to trigger a tipping point in accountability on your father finances and it will be beyond a hot mess to get through. Could be SSA, maybe Medicaid, maybe a past due bill, or a review of old guardianship cases in a courthouse review that opens Pandora’s box. You want to proactively get ahead of this and do what you can to control the narrative. Really find an attorney & soon.
If atty does not have other pros he’s affiliated with…. a CPA, a tax attorney…. Then ask guardianship atty to do a referral. In my not an attorney viewpoint but on this forum a long time your not getting on this right now in 2022 and doing a reset is going to snowball into huge costly issues the rest of this decade. The reason why is that at some point dad will run out of $ and his care needs will run beyond what you can do at home… so it’s Hello! Medicaid! application as he’ll likely need a facility and all the $ from him to you on the surface looks like gifting which Medicaid can penalize against. The IRS old annual 14K (16K now) tax free now gifting is just that…. for IRS regulations and your tax filings. NOT MEDICAID! Medicaid does not recognize any annual gifting allowances and will penalize the applicants.
Medicaid can go back at least 5 years in a financial disclosure. So if dad applied in 2023; that’s $ back to 2018. If he gave you the IRS max each year 14k & 16k for 2022 that’s $ 72K gifting penalty. If your states Medicaid daily room&board reimbursement to a facility is $175 a day, that could be a gifting penalty of 411 days. 411 Days or almost 14 months. What makes the penalty even more difficult is that in order to apply for LTC Medicaid elder will already be in a facility and accruing room& board charges. Should penalty be found, the applicant, their POA and facility r all notified. Facility will fully expect to be paid for his stay from Day 1 by him or whomever in his family they can bill against. And does not have to bill at the lower Medicaid day rate but at full tilt $$$ private pay rates. Should you say I’m going to ignore it and let him be the responsibility of the facility, that can get ugly as they can contact APS. APS contacts the court to have his guardianship revoked from your brother and a new guardian appointed by the court. The new guy can go after brother and you for “self dealing” “enrichment” at the expense of a vulnerable adult. Can get ugly. If I was your bro, I’d be very concerned as to annual gifting and as to just how you are spending dads $ & how all is getting it dispersed as it’s on me as I’m the guardian who a judge will haul before his court. What is brothers take on how $ is being spent? Both of y’all need to go over all this with an attorney.
IMO on the “I had to quit work to take care of him (dad)”; you did not have to quit. You chose to leave your job & stay at home. Should you try this reasoning, well, imo not gonna fly…. You have others in your household, no way you can say 100% of your time to CG your dad. Painting yourself as a martyr works only if your seeking canonization as St. LynnieB at the Vatican.
You have a lot of your plate….. 4 kids still as dependents, right?
Has dad given $ to grandkids? Gonna look like gifting.
Really ime once gifting is suspected, it’s a red flag to review a Medicaid application & in detail. Stuff flat surfaces…
If dads $ to you has been unreported income and you & hubs have done FAFSA for kids college fin aid, could be an issue with FAFSA / college fin aid office. Ours graduated in ‘19 and one of his friends behind him had their custodial/ divorced parent get a settlement their junior year and poof need based fin aid for went away.. it was a hot mess atop all the Covid stuff… the $ could have gone into a Trust and not been an issue… but nobody thought it through. It’s things like this that a good experienced atty can give you options on. And yes kid finally graduated last Dec. My point is $ from dad to you changes not just yours but your household’s situation, it’s not a DIY to deal with.
Please pls don’t put this off.