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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:
Oh my goodness... my heart goes out to you. No, they can't take your home. You need it. But they can take some of his assets. Depending on the state, that varies and I'd advise you consult your equivalent of ADRC or Agency on Aging. Ours in Broward county, south FL for example, is ADRCBroward.org - I'm sure you have such an agency, but state laws differ a lot, so consult them asap. I know I join others here online to pray for you. You can do this, I'm sure you have done it for a while. Wondering if he can go to AL instead of NH, to maintain a bit more quality of life in the interim... Best of luck in finding the answers and the strength you need. Doreen from Angel House ALF in south FL
Are you thinking about applying him for Medicaid, so he can get nursing home care covered? I assume that he is disabled, and that's why is receiving Medicare at age 59. Has he been told that he needs skilled nursing care? I'd explore what is available in your state to meet his level of need. Then, I'd consult with an attorney who knows Medicaid law and can explain what you can expect. There are some on this site who may be able to provide more info. There are guidelines as to what is counted for the two of you and also how much the non-recipient can keep. I'd try to get this information before you apply and before there is a snapshot date, which is the day they view and value your assets.
Omg you both are still so young! Really dealing with Medicaid when it's 1 spouse who needs care and the other considered to be the "community spouse" needs a really good elder law atty. & IMO needs to be be who is NAELA. Your overwhelmed with day to day care and that needs to be your priority instead of trying to figure out how to do a spia or even determine just wtf a spia is.
The important part financially is that ONLY hubs needs to be improverished not you. Doing things to safeguard & move assets so that you do whatever to have funds for your own aging is complex. That's where the NAELA atty comes in. And whatever needs to happen has to be done BEFORE ever doing the medicaid application as Medicaid tends to set couples finances based on a "snapshot" day .... Usually it's the date of application. So if you need to sell a car as you all have two but Medicaid only allows for 1 to be an exempt asset, it needs to be done before the application.
Really couples Medicaid is not a DIY, you need a NAELA atty.
So what's a SPIA?.... A single premium immediate annuity. Personally I hate annuities as so often they are sold to elderly under conditions that likely isn't realistic for the elder but a SPIA is a very special situation annuity great for couples when 1 needs medicaid now & the CS could live for a long long time and they have a good bit of assets. Like say, hubs in his late 60's, still working has a major car crash and needs 24/7 NH care and his insurance is running out. Hubs has second wife in her 40's who works and they have kids under 18. Their assets over the allowed 119k for the CS will get moved into a SPIA in wife's name with Medicaid as the beneficiary. SPIA pays wife an income each month but her income is not included for hubs Medicaid eligibility only his is. If timing right the CS will outlive the SPIA so there will never ever be a payout to the state. If she's in her 40's or 50's and does it as a 20 yr annuity, she's gonna outlive it more than likely. SPIA are not DIYs. For a somewhat younger CS in their 40's - or even early 70's, they can really be a way to keep themselves from becoming impoverished but still enabling the ill spouse to qualify for 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.
Doreen from Angel House ALF in south FL
The important part financially is that ONLY hubs needs to be improverished not you. Doing things to safeguard & move assets so that you do whatever to have funds for your own aging is complex. That's where the NAELA atty comes in. And whatever needs to happen has to be done BEFORE ever doing the medicaid application as Medicaid tends to set couples finances based on a "snapshot" day .... Usually it's the date of application. So if you need to sell a car as you all have two but Medicaid only allows for 1 to be an exempt asset, it needs to be done before the application.
Really couples Medicaid is not a DIY, you need a NAELA atty.
So what's a SPIA?.... A single premium immediate annuity. Personally I hate annuities as so often they are sold to elderly under conditions that likely isn't realistic for the elder but a SPIA is a very special situation annuity great for couples when 1 needs medicaid now & the CS could live for a long long time and they have a good bit of assets. Like say, hubs in his late 60's, still working has a major car crash and needs 24/7 NH care and his insurance is running out. Hubs has second wife in her 40's who works and they have kids under 18. Their assets over the allowed 119k for the CS will get moved into a SPIA in wife's name with Medicaid as the beneficiary. SPIA pays wife an income each month but her income is not included for hubs Medicaid eligibility only his is. If timing right the CS will outlive the SPIA so there will never ever be a payout to the state. If she's in her 40's or 50's and does it as a 20 yr annuity, she's gonna outlive it more than likely. SPIA are not DIYs. For a somewhat younger CS in their 40's - or even early 70's, they can really be a way to keep themselves from becoming impoverished but still enabling the ill spouse to qualify for Medicaid.