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.
Glad you went to the attorney. Would have been my recommendation.
When all is said and done I hope you will come back to tell us how this all worked for you and what was done with your attorney's help. It will help others on this forum.
Wishing you the best of luck.
: )
Something to mull over… LTC Medicaid (the program that is paying her custodial costs in the NH via Mass Health) tends to look at resources based on a monthly system. So their assets at the end of each month is supposed to be at or under the asset maximum. & their income - $ paid to them for the month, like SSA - is too within your States $ limit. Most States use $2,829 max per month of income and 2K max for nonexempt assets for an individual. The month the payment is deposited it is “income” and then every month subsequently it is an “asset”.
So if she or you as her POA can find something to use that $ for that is a legit expense for her and uses almost all the lil windfall of $ so that things are bought and paid for and clear her banking within the month…. then Voila! She ends her month within income & asset limits.
If this is a smallish lump sum of $, she may be able to buy in full a preneed funeral / burial policy. All States allow for these but the $ amount and how they have to be structured is very State specific. In general a good Funeral Home will know how these have to be done to be ok. There are insurance agents who sell these but you have to do your own research to are sure what they are selling is within LTC Medicaid regulations for your State. There may be dental care she needs and is not covered by Medicaid, so she spend the $ to get this done. Or she buys a fancy expensive piece of DME aka durable medicine equipment that is more specialized then what Medicaid will provide for. A lot of what she / you as POA can do is interdependent on how much $ this is. If it’s 15K I bet you could find a way to deposit it on the 2nd of the month and find stuff to buy and get it paid for by EOM. But if 50K that imo she is stuck with having to do a spend down via private pay for care till she’s once again impoverished. Run your plan by her caseworker too.
Fwiw on things that pay quarterly or annually, so this will be regular but smaller $ amt she is getting from now on, you may want to have the $ amount presented to the caseworker as an amortized amount that is income every month to her. It could be that once amortized by month (& not a bigger lump sum) if it not too too much $, it even once added to her other mo income (like SSA) is under the income max, so not a problem at all. Ideally a CPA would do a document for the amortization. But if this is a serious amount of $$$ that each & every month take her always over resourced she either goes private pay or get an atty to do a Miller Trust or pooled Trust like what Alva mentioned.
This isn’t an unusual situation….. it happens often when they get an inheritance from a now deceased but was well intentioned family member who has no idea how this totally causes problems for those on LTC Medicaid and have to stay basically impoverished.
Also if the $ is somehow being paid as an annuity (like it’s from a tort type of lawsuit settlement $), those can be problematic. If the $ is structured this way, post an update.