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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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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.
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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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We have $6000 in irrevocable life insurance at the funeral home. Can we add more? Can we add $4000 more from her savings to an irrevocable burial contract to spend down her savings. We have to use money for something to spend down to qualify.
We are planning my mother's memorial service right now, using the money she set aside for the purpose before we went on Medicaid.
Only "usual and reasonable" expenses are covered. In this state that EXCLUDES travel expenses for persons attending the service, and food. It includes burial or cremation, one or more cremation urns, the cost of the funeral home or other venue, music, printed programs, a speaker or MC etc.
In our family food is a big part of the celebration of life, and we will be paying for that outside of the funeral trust.
Anything we don't spend on usual and reasonable expenses will go back to the state. We are fine with that, and we are trying to spend every last penny. When the state gets it, it will benefit other persons who need Medicaid. Fine by us.
juliavinson, do you really want to (would your mother want) to spend $10,000 on her final services? If so, this is a quick way to do it. If not, spend the money on a comfortable wardrobe, a new coat, good shoes, extra glasses, a deluxe wheelchair, etc. Anything that will benefit her.
simpson, it does not look like you can spend down $27,000 on a funeral account in NM. $15,000 is the limit. Anything over and above that would have to be paid by survivors, if they want to add another $12,000 to the pot.
If Mother puts aside $15,000 and the final service uses $12,000, the remaining $3,000 will go to the state Medicaid program.
There are probably things in that $27,000 plan that the trust cannot be used for. You'd either have to drop them or pay for them separately.
When my grandmother was in her 90s and on medical assistance (long before Medicaid) she worried about being buried in a pauper's grave. She didn't care about a ceremony, but she didn't want her burial to be a burden to anyone.
Medicaid very humanely allows applicants to set aside funds for this purpose and relieve their minds of the worry of being a "burden." But each state also sets limits regarding this. The philosophy seems to be that someone who has been receiving public tax money for their care should not have protected money for an unusually lavish funeral/memorial service.
Does she own her home? If she does, one way would be to invest in the house by repairs, updates or upgrades. Whatever is put in the house stays in the family.
We just did my mother's a few months ago and were told that they just changed some of the state limits last year ..I'm in Florida and we were one of the changes. Let me look for you!!
What is the maximum amount a Funeral Trust can be written for? The maximum policy amount on the high end is $15,000. However, most insurance companies may impose lesser amounts (to stay in compliance with a States standard Medicaid practice)
Goods & Services - certain states Medicaid require a cost "justification" from a certified funeral director. (One cannot just shelter $100,000 of cash away for a $3,500 cremation and pocket the balance!)
A funeral director verifies the costs for their services (listed in ILIT document) and typically charges fee's of $85 to do so. There are "no" fees to establish an Irrevocable Funeral Trust, and the $85 fee the Funeral Director charges for state compliance is a separate stand alone cost.
STATE LIMIT ($) = Updated 3/8/2013 Alabama (AL) $15,000.00 NEW - Goods & Service Alaska (AK) $15,000.00 NEW Arizona (AZ) $8,000 no (GS) $15,000 NEW - Goods & Service Arkansas (AR) $15,000 NEW - Goods & Service California (CA) $15,000 Colorado (CO) $15,000 Connecticut (CT) $5,400.00 Delaware (DE) $10,000.00 District of Columbia (DC) $15,000 NEW Florida (FL) $15,000 NEW - Goods & Service Georgia (GA) $10,000.00 Hawaii (HI) $15,000 NEW Idaho (ID) $15,000 NEW Illinois (IL) $5,703 no (GS) $15,000 NEW - Goods & Service Indiana (IN) $10,000.00 Iowa (IA) $15,000 NEW Kansas (KS) $5,000.00 NEW - Goods & Service Kentucky (KY) $15,000 NEW Louisiana (LA) $15,000 NEW Maine (ME) ? Maryland (MD) $15,000 NEW Massachusetts (MA)$15,000 NEW Michigan (MI) ? Minnesota (MN) $15,000 NEW - Goods & Service Mississippi (MS) $15,000 NEW Missouri (MO) $15,000 NEW Montana (MT) $15,000 NEW Nebraska (NE) $12,500 NEW Nevada (NV) $15,000 NEW - Goods & Service New Hampshire (NH) $15,000 NEW - Goods & Service New Jersey (NJ) $15,000 NEW New Mexico (NM) $15,000 NEW New York (NY) ? North Carolina (NC) $10,000.00 North Dakota (ND) $6,000 NEW Ohio (OH) $15,000 NEW Oklahoma (OK) $10,000 NEW Oregon (OR) $15,000 NEW Pennsylvania (PA) $15,000 NEW Rhode Island (RI) $15,000 NEW South Carolina (SC) $15,000 NEW South Dakota (SD) $15,000 NEW Tennessee (TN) $6,000.00 NEW - Goods & Service Texas (TX) $15,000 NEW Utah (UT) $7,000.00 Vermont (VT) $12,500 NEW Virginia (VA) $15,000 NEW Washington (WA) $15,000 NEW West Virginia (WV) $4,000.00 NEW - Goods & Service Wisconsin (WI) $15,000.00 NEW Wyoming (WY) $15,000.00 NEW
The funeral home director said that my mother's funeral expenses for the things she wants is 27,000 including travel expenses for family. She is spending down to get onto institutional medicaid in NM. If all of the money is not spent for the expenses do the beneficiaries get that money or does it go to medicaid? If so how do they not what the expenses are in the end?
The maximum amount she can shelter from NM medicaid is $15,000. All other money will go the the State to pay for her care. If she uses medicaid the beneficiaries will get nothing. We are going through this same thing with my mother in law in the state of Illinois. Good luck and be fully open and honest with the medicaid investigators. They will look back approx. 5 years from the date of application for medicaid..
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.
Only "usual and reasonable" expenses are covered. In this state that EXCLUDES travel expenses for persons attending the service, and food. It includes burial or cremation, one or more cremation urns, the cost of the funeral home or other venue, music, printed programs, a speaker or MC etc.
In our family food is a big part of the celebration of life, and we will be paying for that outside of the funeral trust.
Anything we don't spend on usual and reasonable expenses will go back to the state. We are fine with that, and we are trying to spend every last penny. When the state gets it, it will benefit other persons who need Medicaid. Fine by us.
juliavinson, do you really want to (would your mother want) to spend $10,000 on her final services? If so, this is a quick way to do it. If not, spend the money on a comfortable wardrobe, a new coat, good shoes, extra glasses, a deluxe wheelchair, etc. Anything that will benefit her.
If Mother puts aside $15,000 and the final service uses $12,000, the remaining $3,000 will go to the state Medicaid program.
There are probably things in that $27,000 plan that the trust cannot be used for. You'd either have to drop them or pay for them separately.
When my grandmother was in her 90s and on medical assistance (long before Medicaid) she worried about being buried in a pauper's grave. She didn't care about a ceremony, but she didn't want her burial to be a burden to anyone.
Medicaid very humanely allows applicants to set aside funds for this purpose and relieve their minds of the worry of being a "burden." But each state also sets limits regarding this. The philosophy seems to be that someone who has been receiving public tax money for their care should not have protected money for an unusually lavish funeral/memorial service.
..I'm in Florida and we were one of the changes. Let me look for you!!
The maximum policy amount on the high end is $15,000. However, most insurance companies may
impose lesser amounts (to stay in compliance with a States standard Medicaid practice)
Goods & Services - certain states Medicaid require a cost "justification" from a certified funeral
director. (One cannot just shelter $100,000 of cash away for a $3,500 cremation and pocket the balance!)
A funeral director verifies the costs for their services (listed in ILIT document) and typically charges
fee's of $85 to do so. There are "no" fees to establish an Irrevocable Funeral Trust, and the $85 fee
the Funeral Director charges for state compliance is a separate stand alone cost.
STATE LIMIT ($) = Updated 3/8/2013
Alabama (AL) $15,000.00 NEW - Goods & Service
Alaska (AK) $15,000.00 NEW
Arizona (AZ) $8,000 no (GS) $15,000 NEW - Goods & Service
Arkansas (AR) $15,000 NEW - Goods & Service
California (CA) $15,000
Colorado (CO) $15,000
Connecticut (CT) $5,400.00
Delaware (DE) $10,000.00
District of Columbia (DC) $15,000 NEW
Florida (FL) $15,000 NEW - Goods & Service
Georgia (GA) $10,000.00
Hawaii (HI) $15,000 NEW
Idaho (ID) $15,000 NEW
Illinois (IL) $5,703 no (GS) $15,000 NEW - Goods & Service
Indiana (IN) $10,000.00
Iowa (IA) $15,000 NEW
Kansas (KS) $5,000.00 NEW - Goods & Service
Kentucky (KY) $15,000 NEW
Louisiana (LA) $15,000 NEW
Maine (ME) ?
Maryland (MD) $15,000 NEW
Massachusetts (MA)$15,000 NEW
Michigan (MI) ?
Minnesota (MN) $15,000 NEW - Goods & Service
Mississippi (MS) $15,000 NEW
Missouri (MO) $15,000 NEW
Montana (MT) $15,000 NEW
Nebraska (NE) $12,500 NEW
Nevada (NV) $15,000 NEW - Goods & Service
New Hampshire (NH) $15,000 NEW - Goods & Service
New Jersey (NJ) $15,000 NEW
New Mexico (NM) $15,000 NEW
New York (NY) ?
North Carolina (NC) $10,000.00
North Dakota (ND) $6,000 NEW
Ohio (OH) $15,000 NEW
Oklahoma (OK) $10,000 NEW
Oregon (OR) $15,000 NEW
Pennsylvania (PA) $15,000 NEW
Rhode Island (RI) $15,000 NEW
South Carolina (SC) $15,000 NEW
South Dakota (SD) $15,000 NEW
Tennessee (TN) $6,000.00 NEW - Goods & Service
Texas (TX) $15,000 NEW
Utah (UT) $7,000.00
Vermont (VT) $12,500 NEW
Virginia (VA) $15,000 NEW
Washington (WA) $15,000 NEW
West Virginia (WV) $4,000.00 NEW - Goods & Service
Wisconsin (WI) $15,000.00 NEW
Wyoming (WY) $15,000.00 NEW