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RM is a secured creditor. Medicaid unsecured creditor. RM will get $ first & more than likely after mortgage, fees, etc paid, there won’t be very much $ left that would become proceeds from the sale. Unless the property has tremendously risen in value.
GmaKooKoo, has the move to a NH just happened? And gran just applied for Medicaid. So all is new & in a flux? Pls, pls realize that Medicaid requires gran to do a copay or share of cost of her monthly income (SS, pension) to the NH. She will have no funds to pay property costs....like taxes, insurance, utilities, maintenance. If you or family pay these, you probably need to consider it paid under a sense of family duty with no anticipation of being repaid. If there should be $ left after RM paid off, it will be considered grans $ & she cannot easily give it to anyone under Medicaid rules. You’d need to have some sort of promissory note or memo of understanding done way in advance to try to get around this. Try to find out what RM payoff is; and what the property costs run. Often family cannot afford the energy, $ & time to deal with the property & so let the RM call the mortgage in; it gets foreclosed. Hard choices.
I agree with Barb above, read the conditions of the Reverse Mortgages. Some RM's could say that the person who signed for loan can be in a nursing home for one year, with hopes that the person could return back to the house [apparently that wouldn't be in your Mom's case]. Thus one year and one day, the Reverse Mortgage could ask for the loan to be paid back, plus the interest and fees.
Now, it this is Medicaid [which is different from Medicare] putting a lien on the house, I don't know who gets to stand in line first for the house equity, the Reverse Mortgage people or Medicaid. You would need to ask Medicaid if that is who is paying for your Mother's care.
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.
RM will get $ first & more than likely after mortgage, fees, etc paid, there won’t be very much $ left that would become proceeds from the sale. Unless the property has tremendously risen in value.
GmaKooKoo, has the move to a NH just happened? And gran just applied for Medicaid. So all is new & in a flux? Pls, pls realize that Medicaid requires gran to do a copay or share of cost of her monthly income (SS, pension) to the NH. She will have no funds to pay property costs....like taxes, insurance, utilities, maintenance. If you or family pay these, you probably need to consider it paid under a sense of family duty with no anticipation of being repaid. If there should be $ left after RM paid off, it will be considered grans $ & she cannot easily give it to anyone under Medicaid rules. You’d need to have some sort of promissory note or memo of understanding done way in advance to try to get around this. Try to find out what RM payoff is; and what the property costs run. Often family cannot afford the energy, $ & time to deal with the property & so let the RM call the mortgage in; it gets foreclosed. Hard choices.
Now, it this is Medicaid [which is different from Medicare] putting a lien on the house, I don't know who gets to stand in line first for the house equity, the Reverse Mortgage people or Medicaid. You would need to ask Medicaid if that is who is paying for your Mother's care.
I assume you mean "claimed" by the RM company. If you are talking about Medicaid recovery (MERP) that's a different issue.