Are you sure you want to exit? Your progress will be lost.
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.
✔
I acknowledge and authorize
✔
I consent to the collection of my consumer health data.*
✔
I consent to the sharing of my consumer health data with qualified home care agencies.*
*If I am consenting on behalf of someone else, I have the proper authorization to do so. By clicking Get My Results, you agree to our Privacy Policy. You also consent to receive calls and texts, which may be autodialed, from us and our customer communities. Your consent is not a condition to using our service. Please visit our Terms of Use. for information about our privacy practices.
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.
Share a few details and we will match you to trusted home care in your area:
I went to the funeral home and they set me up. I have to say I am relieved to have these arrangements already made so I don't have to think about it when the time comes. Much less stressful to do this under "normal circumstances" rather than why you are grieving.
When I pre-planned my mothers funeral before filing for Medicaid the funeral home set it all up for me. Very easy and it worked very smooth when the time came to use it. Blessings, Bridget
There are two primary ways to "pre-fund" funeral costs prior to public benefit application: Pay cash in advance or purchase life insurance to fund services. The reason an Irrevocable Trust is used in either instance is that the value of the purchase may be considered a countable asset (particularly life insurance cash values above a certain amount). You may arrange for this through all three of the above (elder law attorneys will generally refer out unless they are insurance licensed and offer an insurance product). I generally recommend that my clients go to the funeral home of their choice. In almost all instances, if this not the home that is eventually used, benefits will be transferable. Many funeral homes offer prepaid services or insurance funded plans. They will be able to make the arrangements "irrevocable". Note that in virtually all states it is also possible to fund a "burial account" in addition to the irrevocable funeral trust. This should be established as a bank account titled "John Doe Burial Account" owned by the applicant. The account should have a POA and a named beneficiary (Payable on Death or Transfer on Death). The maximum amount that can be held in the account is $2,500. This is in addition to the $2,000 asset limitation for Medicaid applicants.
That should be fine. Technically there is no limit although some states do set arbitrary limits of around $12,500 and some may combine all funeral benefits to account for that limit (e.g., the "Burial Account" mentioned above). If you are working with an insurance agent he or she should be able to give you the specifics for the state in which the applicant resides.
I thought it would be difficult but it was actually very easy and a huge relief. I went to a Funeral home of my choice, told them what I needed and the rest is history. Not so much help with the banks, all I got was duuhhh looks, one person asking the next and next. I'm very happy with the Funeral Home choice. Best wishes to you.
The Answer is Yes! The amounts vary by State and in PA by county. Once one applies for Medicaid it is too late!, leaving family to pay for burial. When folks are looking Medicaid in the face, it is best to plan ahead. There is NO cost to purchase the trust, However the value of the trust is paid up front. (Complies with Medicaid spend down) On many of the trusts purchased in advance there is a slight gain in value yearly, (more than a CD) Even in best laid plans; one may not desire or be able to have services at a specific Funeral Home, The Funeral Trust is portable to any location in all states, and monies are paid to the Funeral Home, with "overs" to the estate. Funds are available to the Funeral home usually by the next day and are guaranteed. Purchasing the Trust via an agent, in contrast to a Funeral Home avoids many unforeseen complications, or even obstructions by a ( some) funeral salesperson Additionally one can inquire at will about service pricing without the funeral home being aware of the amount of 'ready money'
Additionally other family members may be protected out of a higher spend down amount, qualifying the person for medicaid, and relieving additional family burdens.
I need to set up an irrevocable burial trust for my dad. He is in a long term care facility in PA, but will be buried in Chicago, IL. Is there a difference in the amount I put into the trust for PA vs IL? He will apply for state aid in PA. How do I find out the amount to put in, as funerals in Chicago are more costly than in PA? Help!
If Dad is living in PA, and applying for Medicaid there then the (irrevocable) Funeral trust must be written in PA. In PA it varies by county;( the amount you can set aside and be INSTANTLY Medicaid exempt), some counties may allow more than $10,000.
The answer by pamstegman is well intended but in error.
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.
Blessings,
Bridget
Pay cash in advance or purchase life insurance to fund services.
The reason an Irrevocable Trust is used in either instance is that the value of the purchase may be considered a countable asset (particularly life insurance cash values above a certain amount).
You may arrange for this through all three of the above (elder law attorneys will generally refer out unless they are insurance licensed and offer an insurance product).
I generally recommend that my clients go to the funeral home of their choice. In almost all instances, if this not the home that is eventually used, benefits will be transferable.
Many funeral homes offer prepaid services or insurance funded plans.
They will be able to make the arrangements "irrevocable".
Note that in virtually all states it is also possible to fund a "burial account" in addition to the irrevocable funeral trust.
This should be established as a bank account titled "John Doe Burial Account" owned by the applicant. The account should have a POA and a named beneficiary (Payable on Death or Transfer on Death).
The maximum amount that can be held in the account is $2,500. This is in addition to the $2,000 asset limitation for Medicaid applicants.
If you are working with an insurance agent he or she should be able to give you the specifics for the state in which the applicant resides.
Best wishes to you.
Purchasing the Trust via an agent, in contrast to a Funeral Home avoids many unforeseen complications, or even obstructions by a ( some) funeral salesperson Additionally one can inquire at will about service pricing without the funeral home being aware of the amount of 'ready money'
Additionally other family members may be protected out of a higher spend down amount, qualifying the person for medicaid, and relieving additional family burdens.
The answer by pamstegman is well intended but in error.