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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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I had to put my mom and dad both in a nursing home, sold the house but they still owed on the house. They don’t have pre-funeral arrangements. What will happen?
peacchappy, good to sell the house, one less major worry. Now, could you tell us if your parents are self-paying at the nursing or are they on Medicaid [which is different from Medicare].
If your parents are on Medicaid, you probably need to use whatever equity you got out of the house for their care in the Nursing Home.... they would now be self-pay until the funds run out, then they go back onto Medicaid. You can check with your State Medicaid office to see if you could purchase pre-funeral arrangements from those funds.
When your parent's house goes to settlement/escrow/title company, whatever it is called in your area, that office will mail a check to the mortgage company using the proceeds from the house. Plus there may be back real estate taxes, cost of handling the settlement, real estate commissions if a Realtor was used, and other taxes that the local and State government usually receive. Then the settlement company will give you a check which will be in your parents name.
The mortgage will automatically be paid off at closing, the title company will do that. If you are saying that they sold it for less than the mortgage amount, then that is a short sale, and they will still owe the balance, the mortgage lender handles that, you cannot just sell the house when you are under water. As for the funeral arrangements, if they have no money then have them cremated, no big funeral arrangements.
They are already on Medicaid in a nursing home the house is up for sale it will sell for what the county assessment is Do they get to spend down or will they be penalized
Well I'd imagine the bank gets paid what is owed to them first. How much is left over? Who qualified them for Medicaid and when? I'd imagine the home value was factored in and conditions were set up when they were put on Medicaid. Was a lawyer involved? Whatever money that is left over i'd assume would need to go to the state.
Any equity from the house sale is theirs to be used for their care, spent down. That money can be used for what they need, hearing aids, medical bills, clothing, pre-paid funeral expense, elder law attorney.... Self pay nursing home care.
It cannot be spent down on gifts or others expenses. They will go off Medicaid until the funds remaining are $2,000.00 in my state. Then they will go back on Medicaid. There may be a social worker or finance person at the nursing home that can help with this.
I'm curious though, since they are already on Medicaid, how does the state know to stop paying the nursing home or how does the state know to take them off Medicaid? Or do they seek a recovery of the assets after the parents pass away? In other words how do they learn about the house sale?
There will be a paper trail through the clerk and recorders office. I would imagine that Medicaid has already placed some sort of a marker on their house records. Probably staff that watches properties that have liens and monitors for sales.
Assuming they will have some $$ left after the mortgage is paid out, as others have noted that money will have to be spent before Medicaid picks up the NH payments again. Medicaid allows an amount to be set aside from assets in an irrevocable trust for funeral expenses. The amount varies by state, depending on the average funeral cost in that state. Normally, you have to set up the trust before applying for Medicaid. The $$ in funeral trusts are not considered as countable assets for Medicaid eligibility, but you need to be sure the trust is set up correctly. One thing worth checking is whether you could set up such a trust (one for each parent) with these new assets from the house, during the period when your parents are temporarily off Medicaid and spending down the proceeds from the house sale. You should definitely check with your local Medicaid office both about the amount allowed in your state for funeral trusts and also whether you can set up a trust after the person started receiving Medicaid but during the time when Medicaid was temporarily suspended.
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.
What did you do with the money from the house sale?
If your parents are on Medicaid, you probably need to use whatever equity you got out of the house for their care in the Nursing Home.... they would now be self-pay until the funds run out, then they go back onto Medicaid. You can check with your State Medicaid office to see if you could purchase pre-funeral arrangements from those funds.
When your parent's house goes to settlement/escrow/title company, whatever it is called in your area, that office will mail a check to the mortgage company using the proceeds from the house. Plus there may be back real estate taxes, cost of handling the settlement, real estate commissions if a Realtor was used, and other taxes that the local and State government usually receive. Then the settlement company will give you a check which will be in your parents name.
Hope this works out smoothly for you.
It cannot be spent down on gifts or others expenses. They will go off Medicaid until the funds remaining are $2,000.00 in my state. Then they will go back on Medicaid. There may be a social worker or finance person at the nursing home that can help with this.