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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:
Mom moved in with us 4 years ago. She is relatively healthy and lucid most of the time, but she is not safe to live alone. Is there any financial assistance available? Who can I talk to about getting paid.
If you Google: "mediciad paid care for family members" the Artificial Intelligence will tell you that: "Yes, Medicaid can pay family members for caregiving through state-specific programs."
The first step is getting Medicaid Eligibility for your mom: "The person needing care must qualify for Medicaid Long-Term Care (LTC) benefits by meeting state income and asset limits, plus a clinical 'level of care' requirement (needing help with activities like bathing, dressing).
In the lingo of Medicaid Eligibility, your loved one at home needs to qualify for the "Frail Elder Waiver."
The waiver is granted to help keep people out of nursing homes. It's much cheaper for government to contribute to care at home.
Your elder law attorney can show you how to arrange your mother's assets so they fit into the waiver. Also, her income has to be below 3x the federal benefit rate.
In my state (Massachusetts) there are several programs that can pay family members (but not the person's spouse) to provide care. The 2026 monthly income limit for Frail Elder Waiver, PACE, and Moving Forward Plan (Money Follows the Person) Waiver is $2,982 [calculated by multiplying the SSI Federal Benefit Rate of $994 x 3 = $2,982 / month].
If Mom's Social Security Retirement + Pensions + other income is above these monthly income limits you would have to comply with an elaborate spend down - deductible procedure based on money she spends on care and medical bills.
And, I made a video explaining why family members need to sign a Caregiver Contract if they are taking money from their parent as payment for caregiving. Without the Contract documentation the parent can end up being disqualified from Medicaid in the future, or become ineligible for bankruptcy protection:
https://youtu.be/59DmNClGl3M?si=bi2Ng06JENaFCtCc
Also it's possible to get some coverage from Medicare. Here's a Q & A on that: https://masshealthhelp.com/pdf/2022%2001%2012%20Home%20Health%20%20&A.pdf
Finally, if you decide to have homecare people come into your home, you need to be aware of the risks and responsibilities of hiring paid caregivers. These articles talk about the tax and tort problems that people get into if they try to go under the table:
Getting Paid by Medicaid for Family Caregiving (All States) This guide explains how a family member, such as a daughter, can be paid through Medicaid for taking care of a parent. Medicaid rules vary by state, but these general steps apply in most places. 1. Confirm Medicaid Eligibility Your parent must qualify for Medicaid based on income, assets, and medical need. They may also need to be approved for in-home care. 2. Apply for Medicaid If your parent isn’t already enrolled, apply through your state’s Medicaid office. Ask if they qualify for Home and Community-Based Services (HCBS). 3. Ask About HCBS Waivers These waivers allow Medicaid to pay for in-home care instead of nursing home care. Some waivers allow family caregivers to be paid. 4. Request Self-Directed or Consumer-Directed Care If available, this option lets your parent hire their own caregiver, including a family member (except possibly a spouse or guardian). 5. Enroll as a Paid Caregiver You may need to complete training, a background check, and register with an agency or fiscal intermediary. 6. Submit Timesheets and Follow Program Rules You'll typically be paid hourly through a Medicaid-approved payroll system or agency. Care plans and oversight may be required. Tips for All States - Contact your local Area Agency on Aging (AAA) for help. - Ask about HCBS waivers, self-directed care, or family caregiver pay. - Be prepared for waitlists in some programs. Note: This is a general guide. Contact your state Medicaid office for specific rules and applications.
Call your local welfare office if you are looking for financial assistance. Your mother should be providing financial assistance if she is living with you. She must have had some form of income. Where is that money going?
If you are thinking about the caregivers who are paid for providing care for their loved ones, your mother must qualify for Medicaid Home and Community Based Services, which pays a caregiver of your mother's choice, including a family member, but a social worker will meet with her to assess her needs and determine exactly what cares need to be done for her daily, and will allot, in 15 min increments, how many hours a week she needs you to provide cares. It might be 5 or 10 hours in a week. That's not real financial assistance, but for someone like myself, it helps to offset the income I was losing when I had to quit working to stay home 24/7 to care for my invalid husband. To start that process, help your mother to apply for Medicaid assistance. That would be through your county health and human services office.
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.
The first step is getting Medicaid Eligibility for your mom: "The person needing care must qualify for Medicaid Long-Term Care (LTC) benefits by meeting state income and asset limits, plus a clinical 'level of care' requirement (needing help with activities like bathing, dressing).
In the lingo of Medicaid Eligibility, your loved one at home needs to qualify for the "Frail Elder Waiver."
The waiver is granted to help keep people out of nursing homes. It's much cheaper for government to contribute to care at home.
Your elder law attorney can show you how to arrange your mother's assets so they fit into the waiver. Also, her income has to be below 3x the federal benefit rate.
In my state (Massachusetts) there are several programs that can pay family members (but not the person's spouse) to provide care. The 2026 monthly income limit for Frail Elder Waiver, PACE, and Moving Forward Plan (Money Follows the Person) Waiver is $2,982 [calculated by multiplying the SSI Federal Benefit Rate of $994 x 3 = $2,982 / month].
If Mom's Social Security Retirement + Pensions + other income is above these monthly income limits you would have to comply with an elaborate spend down - deductible procedure based on money she spends on care and medical bills.
And, I made a video explaining why family members need to sign a Caregiver Contract if they are taking money from their parent as payment for caregiving. Without the Contract documentation the parent can end up being disqualified from Medicaid in the future, or become ineligible for bankruptcy protection:
https://youtu.be/59DmNClGl3M?si=bi2Ng06JENaFCtCc
Also it's possible to get some coverage from Medicare. Here's a Q & A on that:
https://masshealthhelp.com/pdf/2022%2001%2012%20Home%20Health%20%20&A.pdf
Finally, if you decide to have homecare people come into your home, you need to be aware of the risks and responsibilities of hiring paid caregivers. These articles talk about the tax and tort problems that people get into if they try to go under the table:
https://masshealthhelp.com/pdf/Sustainable_Home_Care_1_NAELA_News.pdf
https://masshealthhelp.com/pdf/Sustainable_Home_Care_2_NAELA_News.pdf
Getting Paid by Medicaid for Family Caregiving (All States)
This guide explains how a family member, such as a daughter, can be paid through Medicaid for taking care of a parent. Medicaid rules vary by state, but these general steps apply in most places.
1. Confirm Medicaid Eligibility
Your parent must qualify for Medicaid based on income, assets, and medical need. They may also need to be approved for in-home care.
2. Apply for Medicaid
If your parent isn’t already enrolled, apply through your state’s Medicaid office. Ask if they qualify for Home and Community-Based Services (HCBS).
3. Ask About HCBS Waivers
These waivers allow Medicaid to pay for in-home care instead of nursing home care. Some waivers allow family caregivers to be paid.
4. Request Self-Directed or Consumer-Directed Care
If available, this option lets your parent hire their own caregiver, including a family member (except possibly a spouse or guardian).
5. Enroll as a Paid Caregiver
You may need to complete training, a background check, and register with an agency or fiscal intermediary.
6. Submit Timesheets and Follow Program Rules
You'll typically be paid hourly through a Medicaid-approved payroll system or agency. Care plans and oversight may be required.
Tips for All States
- Contact your local Area Agency on Aging (AAA) for help.
- Ask about HCBS waivers, self-directed care, or family caregiver pay.
- Be prepared for waitlists in some programs.
Note: This is a general guide. Contact your state Medicaid office for specific rules and applications.
Your mother should be providing financial assistance if she is living with you.
She must have had some form of income. Where is that money going?
If you are thinking about the caregivers who are paid for providing care for their loved ones, your mother must qualify for Medicaid Home and Community Based Services, which pays a caregiver of your mother's choice, including a family member, but a social worker will meet with her to assess her needs and determine exactly what cares need to be done for her daily, and will allot, in 15 min increments, how many hours a week she needs you to provide cares. It might be 5 or 10 hours in a week. That's not real financial assistance, but for someone like myself, it helps to offset the income I was losing when I had to quit working to stay home 24/7 to care for my invalid husband.
To start that process, help your mother to apply for Medicaid assistance. That would be through your county health and human services office.
https://www.agingcare.com/articles/how-to-get-paid-for-being-a-caregiver-135476.htm
Good luck. Rules run state by state and vary according to qualification and need.