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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.
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.
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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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Mostly Independent
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Please perhaps before assuming the OP or anyone else asking these type of questions is trying to get around Medicaid’s assets rules, pause to think about & give benefit of the doubt on if the property has issues, like is very modest or decades of delayed maintenance. I don’t think OP is being nefarious or greedy, she’s got a simple ? & casting about hoping for suggestions.
Capital gains, IRS rules, irrevoc vs revoc, attorneys etc doesn’t matter if house is low value or has issues, as just a waste of time, $ & energy.
OP lives in an unincorporated area in poorest State in the US. Not in a City, not in a Town, not even in a Village but unincorporated area with overall population of 2,400. There is 1 home for sale currently & it looks like a big double wide hunting camp on 17 acres. Closest area with census data is Bogue Chitto, MS. I’ve travel up from New Orleans through that part of MS on way up to Starkville / Columbus and it’s - well - desolate. Area overwhelmingly backwater tribal land (Choctaw) & their HQ & casinos are not nearby. What non tribal land left is scattered farm lands and forests.
Per capita income is $6,080, median income is $16,641. Not a typo, per capita income basically Six Thousand Dollars a year…
When ya hear “dirt poor”, it’s land like this it’s referring to. OP mom’s house may not be awful - for all we know it may be cute - but it’s in an area that is this level of poverty. Not area where one can find and do renovations on MCM homes with expansive porches suitable for episodic TV, like over in Laurel. Hard to do comparable’s and Fair Market Value, when there is no “market”. I think why MS estate recovery does the “if under 75K property value we do a hard pass on a recoup as the costs to deal with recovery not worth it” approach. Just sayin’.
Yes but there's a five year look back . Don't do that . It's so much financial to have home services come to house , don't sign any papers to Medicaid keep parents home . I learned the hard Way.if parents have property savings ect. That's all locked in. And assessment $$$ base on amount of care she. Needs . Converse with Elder Law or attorney.
Yes, but it must be at appraised value because Medicare looks back to make sure people don't just give away property to become eligible. Look back is 5 years in most states. They also look back and money used - they watch for sums that may have been given away or transferred elsewhere. You will be asked to explain assets that were used, and for what. So if you buy the house (lower than county appraisal), be sure to have a real estate appraisal that documents repairs needed, etc, that account for the lower value. If there's a large transfer from her bank account to another acct or paid to a person, be ready to explain.
Well, she would be expected to use the funds you pay her for her property to pay for the nursing home fees. When that money is gone, then you would need to apply for Medicaid. Medicaid will look back at 5 years of her finances to ensure she wasn’t hiding assets that should go for her care. If they feel you did not pay fair market value for the property that would be a problem.
My neighbor owns her home. She is single, never married but has a daughter she wants the home to go to..She is on Medicare. She gets to much monthly to get Medicaid. I was told Medicare pays 90 days hospital stay. What happens if she refuses anymore care and wants to live and die at home.,Now there shouldn’t be anything Medicaid can take if she never had it to begin with. Is that correct? Just trying to help her understand …
What about care in a person's own home instead? Is that covered under Medicaid? Does the property need to be sold for this type of care? Also this discussion assumes that everyone entering long-term care will never recover and return home. What percentage of people in such care facilities do recover and return home afterward with a reasonable quality of life?
People in LTC usually don't recover from what is wrong with them. They have to be 24/7 care to be placed.
Medicaid in home the person remains in their home. When they pass, a lien is placed on the home. The house will then need tovbe sold for Market rate to covervthe lien. Same happens in LTC. The house is exempt until the person passes, then a lien is placed on the house. Lots more involved. So speak to a Medicaid caseworker.
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.
Capital gains, IRS rules, irrevoc vs revoc, attorneys etc doesn’t matter if house is low value or has issues, as just a waste of time, $ & energy.
OP lives in an unincorporated area in poorest State in the US. Not in a City, not in a Town, not even in a Village but unincorporated area with overall population of 2,400. There is 1 home for sale currently & it looks like a big double wide hunting camp on 17 acres. Closest area with census data is Bogue Chitto, MS. I’ve travel up from New Orleans through that part of MS on way up to Starkville / Columbus and it’s - well - desolate. Area overwhelmingly backwater tribal land (Choctaw) & their HQ & casinos are not nearby. What non tribal land left is scattered farm lands and forests.
Per capita income is $6,080, median income is $16,641.
Not a typo, per capita income basically Six Thousand Dollars a year…
When ya hear “dirt poor”, it’s land like this it’s referring to. OP mom’s house may not be awful - for all we know it may be cute - but it’s in an area that is this level of poverty. Not area where one can find and do renovations on MCM homes with expansive porches suitable for episodic TV, like over in Laurel. Hard to do comparable’s and Fair Market Value, when there is no “market”. I think why MS estate recovery does the “if under 75K property value we do a hard pass on a recoup as the costs to deal with recovery not worth it” approach. Just sayin’.
They also look back and money used - they watch for sums that may have been given away or transferred elsewhere. You will be asked to explain assets that were used, and for what. So if you buy the house (lower than county appraisal), be sure to have a real estate appraisal that documents repairs needed, etc, that account for the lower value. If there's a large transfer from her bank account to another acct or paid to a person, be ready to explain.
Medicaid in home the person remains in their home. When they pass, a lien is placed on the home. The house will then need tovbe sold for Market rate to covervthe lien. Same happens in LTC. The house is exempt until the person passes, then a lien is placed on the house. Lots more involved. So speak to a Medicaid caseworker.
State should not step in until her own funds are expired.