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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.
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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My mom has only a little furniture and some books and housewares in a small apt; she gets about $1300 a month in SS and that's all. SS says she doesn't qualify for medicare.... why would that be?
You get Medicare in the US when you turn 65 and you've worked enough number of years (don't know what the requirement is). There is no need to be poor; it's a program for ALL folks over 65.
Medicaid is for folks who are poor and have little in the way of assets.
Did you mother APPLY for Medicaid, i.e., did she complete the very complicated application and submit it to her state's Medicaid Agency? Or is she relying on what someone told her?
I am not sure about the exact requirements in each state. But I would call Medicare and speak with a rep about your mom's situation and see if they can help with more details.
Dear Mally; I'm sorry you're going through this and that mom isn't sharing information. I'm going to assume that you don't have POA.
Go to the library or bookstore and get a copy of a little book called "Five at 55". It's about the 5 documents that EVERYONE should have in place by the time they are 55 years old.
Use it to start a conversation with mom. Perhaps talk about going to a lawyer to get your own ducks in a row and ask if she wants to tag along to do a POA for herself.
A lot of women allow money matters to scare them. Talking about money makes them feel incompetent, or they think perhaps something that they've done already will seem foolish if they are talking to their adult children.
I think it's worthwhile to try to start a nonthreatening conversation with your mother about what her plans for the future are and if she'd like you to be in on the planning.
Mally1, as others have stated upthread, are you actually asking about Medicaid, not Medicare. Medicare is not really a benefit based on income and assets. You might look for a website in her state that lists the required cut off on monthly income for Medicaid. Also, you might consult with an expert in your state to see if there are exceptions, if her monthly income is too much. It seems that in some states, if the applicant is disabled and needed extraordinary care, like Memory Care, there may be exceptions.
Is she in need of help with medical bills or long term care?
You are so kind to be concerned - even if she says she doesn't want help, she would probably "listen" to what you have found out, even if she didn't acknowledge it. So you may be able to give great help that way.
She might not qualify for "dual" overage...Medicare and Medicaid .. but with that low income I am sure she can get a lot of premium assistance on ACA (Obama care). She should go on the website and enroll...see what can be done.
She has a social worker, who is doing a great deal for her, but they did tell her she doesn't qualify for medicaid in this state. She has Medicare parts A&B, but many medical co-pays this last year, and an ambulance ride - all of which went on the credit card. She tried to negotiate the ride, but didn't get much off of her share; even though my husband works for them as an AEMT..... No idea what would happen if she has to go to AL or NH, but wouldn't her social worker, new DR., and weekly RN manage that somehow? I certainly haven't been involved, by her choice, though I live here. We have a difficult relationship, tho it's better now than it was - and to those of you thinking of keeping a parent at your home who you do not always get on with, DON'T; it made things much worse and went on for 3 years.... I do pass on to her things I learn about help with co pays and such, but never get feedback or a real answer if I ask, sigh.... guess I don't know what else to do - maybe nothing?
Mally, I would go on her States Medicaid website and find out what the income and assets limitation is. Does she have assets she's not divulging? Has she gifted away money or property? Is the SW just wrong?
If you are in touch with the sw, perhaps she can clarify.
Oooo, Barb, I looked it up and she gets twice what the limit is her in SD, which I hear is a very low paying state for all kinds of assistance. So I'm grateful she gets as much help as she does, and have no idea how she will pay medical copays, dentist, etc. Thanks!
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.
You get Medicare in the US when you turn 65 and you've worked enough number of years (don't know what the requirement is). There is no need to be poor; it's a program for ALL folks over 65.
Medicaid is for folks who are poor and have little in the way of assets.
Did you mother APPLY for Medicaid, i.e., did she complete the very complicated application and submit it to her state's Medicaid Agency? Or is she relying on what someone told her?
I am not sure about the exact requirements in each state. But I would call Medicare and speak with a rep about your mom's situation and see if they can help with more details.
Go to the library or bookstore and get a copy of a little book called "Five at 55". It's about the 5 documents that EVERYONE should have in place by the time they are 55 years old.
Use it to start a conversation with mom. Perhaps talk about going to a lawyer to get your own ducks in a row and ask if she wants to tag along to do a POA for herself.
A lot of women allow money matters to scare them. Talking about money makes them feel incompetent, or they think perhaps something that they've done already will seem foolish if they are talking to their adult children.
I think it's worthwhile to try to start a nonthreatening conversation with your mother about what her plans for the future are and if she'd like you to be in on the planning.
Is she in need of help with medical bills or long term care?
If you are in touch with the sw, perhaps she can clarify.
See All Answers