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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.
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Here are 7 reasons to consider using a trust to hold assets: 1 - protection from creditors, 2 - protection from elder financial abuse predators, 3 - protection from spouse of a beneficiary who needs to divorce, 4 - asset management, 5 - keep control over the distributions (making it impossible for beneficiary to cash out accounts), 6 - Medicaid planning, and 7 - keeping assets out of the estate of a survivor who might otherwise have to pay estate taxes
Timing determines whether you can accomplish any of these goals with a trust. The trust document must be drafted with an understanding of your facts and the real estate, probate, tax and trust laws in your state.
If you are thinking of planning for Medicaid, will your mother have enough money to pay for long term care if she needs it during the 5 year period after transferring money into a trust?
Does you mother have the competence needed to establish a trust? Do you have the authority to establish a trust for her?
Your question can only be answered by an estate planning attorney in your state who is aware of all the circumstances.
This is a very sticky, difficult situation and many laws and other conditions apply. You really have no choice but to consult with an experienced eldercare attorney. Good luck. Remember, there is a five year look back and believe me, every little item is going to be questioned. You need someone who knows what they are doing to handle this question.
When I sold my mom's house the proceeds were put into a trust by an elder care atty. I then applied for veteran's benefits to help with the costs for assisted living. Veteran's benefits have a look back period same as Medicaid but couldn't be touched with how it was set-up. Seek an elder care atty. It costs nothing to ask so you know how to proceed.
Medicaid treats assets in a Revocable Living Trust as assets of the applicant. Assets in an Irrevocable Trust are also treated as assets of the applicant if the trustee must distribute them for the applicant's health, education, maintenance and support. Even if the trustee has full discretion over whether to distribute the assets, Medicaid may look askance at an Irrevocable Trust with a close relative as a trustee or without beneficiaries other than the applicant and the applicant's spouse. Medicaid recognizes a Special Needs Trust and an Irrevocable Life Insurance Trust. If someone is talking to you about something else, be sure to consult an elder law attorney (www.naela,.org). There are a lot of advisors out there who only think they know what they are doing -- or don't care. Some of these are or claim to employ lawyers.
To me whether or not a trust is ideal is for you to determine just what is the plan for your assets both now and then after you die. There are all kinds of trusts and they need to be done correctly by an atty and they have costs and need a source of income to pay on those costs till the trust is dissolved.
There are specific types of property trusts, like QTIPS.
If this "trust talk" is about somehow keeping your assets and then applying for Medicaid, you imo need to have around 7 years before ever needing to go into a Medicaid accepting facility. There is a 5 years lookback but it takes time to get things moved about, legal done, transfers recorded. There needs to be $ to pay for all this and from day 1 of this planning to beyond the grave. Trusts are their own entity and live till there is a planned or unplanned defunding. So is there $ to do this?? like investments or other assets with perhaps rental income from the property that "feed" the trust.
If your thinking your SS or retirement $ can do this that will not work if Medicaid is needed as Medicaid requires a co-pay or SOC (share of cost) of all your monthly income to the NH or AL. If the property trust doesn't have it's own kitty of $, taxes, insurance, etc don't get paid….. Hello tax sale! you see these defunded trusts listed in tax sale all the time.
The facts are that many states have found ways to go after a trust if the person applies for Medicaid. On the other hand, a Trust is a good way to protect the person from making the huge mistake of gifting the assets away. When mom and dad need Medicaid to pay for a nursing home, a properly structured Trust will help keep them eligible for aid.
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.
1 - protection from creditors,
2 - protection from elder financial abuse predators,
3 - protection from spouse of a beneficiary who needs to divorce,
4 - asset management,
5 - keep control over the distributions (making it impossible for beneficiary to cash out accounts),
6 - Medicaid planning, and
7 - keeping assets out of the estate of a survivor who might otherwise have to pay estate taxes
Timing determines whether you can accomplish any of these goals with a trust. The trust document must be drafted with an understanding of your facts and the real estate, probate, tax and trust laws in your state.
If you are thinking of planning for Medicaid, will your mother have enough money to pay for long term care if she needs it during the 5 year period after transferring money into a trust?
Does you mother have the competence needed to establish a trust? Do you have the authority to establish a trust for her?
Your question can only be answered by an estate planning attorney in your state who is aware of all the circumstances.
There are specific types of property trusts, like QTIPS.
If this "trust talk" is about somehow keeping your assets and then applying for Medicaid, you imo need to have around 7 years before ever needing to go into a Medicaid accepting facility. There is a 5 years lookback but it takes time to get things moved about, legal done, transfers recorded. There needs to be $ to pay for all this and from day 1 of this planning to beyond the grave. Trusts are their own entity and live till there is a planned or unplanned defunding. So is there $ to do this?? like investments or other assets with perhaps rental income from the property that "feed" the trust.
If your thinking your SS or retirement $ can do this that will not work if Medicaid is needed as Medicaid requires a co-pay or SOC (share of cost) of all your monthly income to the NH or AL. If the property trust doesn't have it's own kitty of $, taxes, insurance, etc don't get paid….. Hello tax sale! you see these defunded trusts listed in tax sale all the time.