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.
Something said about her being disabled? Does she receive Social Security Disability? May be able to get a Special Needs Acct. But, funds that aren't used will revert back to Medicaid.
Medicaid is involved in her care. That money cannot be protected, it goes to her care. The money should not have been left to her.
Exactly …….however it was in this case.
If so rules on that system are quite narrow as to what is allowed. HOWEVER if her situation is due to something from birth, childhood or to age 26, she probably can open a ABLE. Get your Google on and look up ABLE bank accounts. Can Sissy possibly qualify for one? Cause if so, you could help her to get one open and park - if I’m not mistaken- 14 K in it immediately and not affect her SSI eligibility. It’s like 14K max allowed to go into one per year and max out at abt 110K.
whomever was / is the Executor for moms estate has oodles of latitudes as to just how they do the distribution. Y’all took like 6 years to get the house sold, (I bet there’s a whole backstory on this, lol), take a bit more time to finalized out the distribution and do it over 2 years going into an Able and Voila! $ issue is like 90% solved. The other 10% is a modest preneed funeral & burial paid for.
Do be super careful on preneed as SSI and Medicaid have lots of regulations on how much $ and what the policy paperwork MUST adhere to. Like a very tight & specific “Goods & Services” listing and registration with several agencies within the State. Like TX requires registration with Dept of Insurance, Dept of Banking AND Funeral Services Commission. The IFT type of funeral “Trust” may not be ok & you better make sure bc these usually are irrevocable
The Term is to leave something for her son, right? Buying a Term life to me is meh as she’s probably to old to get a decent rate, and if any have it so the underwriter wants to look at health records she’s toast on getting one. Plus most States “at need” programs place a low limit on Term to be OK without any issues, like Face Value of $1500 (it may actually be worth more at death, but Term is about the face value for what Medicaid looks at). If you actually found one that’s affordable premiums for 50K -100K, the State might - might - require that the primary beneficiary becomes the State with her heirs becoming secondary. This lil move is called “Residual Beneficiary” & States doing this is an offshoot Estate Recovery.
If your sister was “mentally disabled from birth”, the chances are that the tax payer has provided a lot of support over the years. You may not like the idea of the money going back to the tax payer, but remind yourself that there is some justice in it.
You can check with a lawyer about the rest , but don’t get your hopes up too high. I don’t know all the Medicaid rules.
Her son, well, getting an inheritance is not a guaranteed gift, her money should be used to pay her way. I imagine we tax payers have paid a lot for her care already.
Next step is to consult with an Elder Care Attorney ASAP in the state where your sister resides. The attorney will know exactly what to do to protect your sister's inheritance (if there is a way), but a lot depends on setting up things immediately the right way.
Don't wait on contacting an Elder Care Attorney.
Good luck and best wishes