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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.
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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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If I receive life insurance money as an inheritance, can I sell my car privately to buy a new one, or do I have to sell to the dealer I'm buying the new one from?
Trading the car in and towards your new car would be the simplest. May not be the best $$ wise but easier paperwork.
If you sell old car, it will need to be sold at its current Blue Book value. If not, it could be viewed as gifting by Medicaid with a transfer penalty (set by days).
You mention doing a spend down, so you are getting ready for applying for Medicaid, right? If its that you are going into a NH in the near future, just what need is there for a car? Once you are in the NH on Medicaid, who is going to pay all the costs on the car (taxes, insurance, gas, etc)? And pay on all this from day 1 of Medicaid till forever? Your medicaid required co pay to the NH will leave you with no - nada- zilch to pay on the car. So just who will pay on a car they don't own?and pay till your death and beyond into probate?
Some states limit the value of the car for Medicaid too. Buying a 40k car right before applying for Medicaid will probably be viewed as done for avoidance and application ineligible unless there is a community spouse.
We recently had to sell Dad's car, while in process of finding him a long term care facility. Knowing we will certainly need to apply for Medicaid long before the 5 year look back would be over, the elder law attorney told us we were required to get at least two appraisals of the car's value and they had to come from a car dealership. If the appraisals were hugely different, we were to get a third appraisal, and we were required to sell for no less than ten % less than the higher appraisal amount (no matter who we sold to, whether that be a dealership or a private person.) So you can sell privately, but you have to get fair value for the car.
Gayle, your details on this, most interesting & informative!
For house value in dealing with MERP, I was told that if the appraisal (done by licensed appraiser & NOT the figure a Realtor does for the comps book) is less than the last tax assessor value by more than 10% for both land and improvements, then a second appraisal is required. Both available for presentation for probate with license # of appraiser on document. I think its interesting that you in Ohio & me in TX are finding Medicaid is now increasing documentation requirements to get appraisal done by a professional to be used as a benchmark for real property. By requirements like this, it's going to make more hoops for families to go through to get their parent eligible or deal with MERP later on. Lots of folks aren't going to consult with legal and they are going to find their elder is ineligible with no way around it as car/house already sold.
This is interesting. My problem is Moms house is appraised at 150,000 for tax purposes. She has about 7 acres most wet lands. The house os 125 years old. Needs thousands of dollars to get it to sell for this. Neither my Mom nor I have the money to this. So, I'm planning on selling as is and get what I can. Its just eating up what she has in SS and she is living with me. I am hoping to get enough to put her in an assisted living that requires 2years of money before Medicaid will take over. Her car was over 20yrs old so we sold that 2 yrs ago for five hundred.
Not quite sure what the life insurance proceeds have to do with buying a car, and your application for Medicaid. As someone else asked are you yourself in need of welfare, or are you assisting someone else?
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.
If you sell old car, it will need to be sold at its current Blue Book value. If not, it could be viewed as gifting by Medicaid with a transfer penalty (set by days).
You mention doing a spend down, so you are getting ready for applying for Medicaid, right? If its that you are going into a NH in the near future, just what need is there for a car? Once you are in the NH on Medicaid, who is going to pay all the costs on the car (taxes, insurance, gas, etc)? And pay on all this from day 1 of Medicaid till forever? Your medicaid required co pay to the NH will leave you with no - nada- zilch to pay on the car. So just who will pay on a car they don't own?and pay till your death and beyond into probate?
Some states limit the value of the car for Medicaid too. Buying a 40k car right before applying for Medicaid will probably be viewed as done for avoidance and application ineligible unless there is a community spouse.
For house value in dealing with MERP, I was told that if the appraisal (done by licensed appraiser & NOT the figure a Realtor does for the comps book) is less than the last tax assessor value by more than 10% for both land and improvements, then a second appraisal is required. Both available for presentation for probate with license # of appraiser on document. I think its interesting that you in Ohio & me in TX are finding Medicaid is now increasing documentation requirements to get appraisal done by a professional to be used as a benchmark for real property. By requirements like this, it's going to make more hoops for families to go through to get their parent eligible or deal with MERP later on. Lots of folks aren't going to consult with legal and they are going to find their elder is ineligible with no way around it as car/house already sold.