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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.
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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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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.
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Don't pay the credit cards. She is on Medicaid and in a nursing home. You can't get blood from a turnip. Just make sure she is unable to rack up any more charges.
I don't know if you have POA over her financial affairs. If it were me, I would close her accounts and talk to the credit card company directly about payment arrangements. I'm not sure if credit counselling services might be able to help, so you can get all your options. Does the nursing home offer any services about financial matters? Hopefully they have a social worker on retainer that could also help.
Keep in mind that once mom stops paying on the CC, the CC will more than likely write the debt off and turn it over to collections.
Writing debt off for those on medicaid will pose two problems later on. The CC as the "original creditor" (OC) will eventually issue mom a 1099-C Cancellation of debt. It will be the debt, plus interest, fees and could be done year mom stops paying or a year or two later. Based on when OC puts it on their books.
1099-C is taxable income. This is the first problem. Yes it's "phantom income" but is reported taxable $$. Mom will owe taxes on the income. If your state does an IRS match up, the income will take her above the income limits for Medicaid. What you as moms DPOA will need to do is file taxes for her and within the tax filing do a Form 982. It's not simple imo and not done by any of those free senior taxes done programs. To me, it's never a DIY as the 982 is sticky, I'd suggest a CPA or someone at the Block business tax offices do it. Maybe $ 300-400. There was someone on this site who was going to Turbo tax the 982 but didn't update how that went......
Second problem, if mom ignores the 1099-C, eventually the IRS will have to come after her income to repay the taxes past due. IRS as a super-creditor (vegasLady has posted about this lil tidbit) can attach Social Security income. IRS doesnt know moms backstory, all it sees is taxes due on a reported 1099-C. Problem is if mom is in a NH on Medicaid, she is required to do her co-pay or SOC (share of cost) of her SS $ to the NH under medicaid rules. If IRS attaches a part of her SS it's a problem for her Medicaid compliance. Your going to have to file taxes for her & for each year she gets a 1099-C. Comprende?
You as DPOA need to keep up with the CC so you are aware of 1099-c being sent. They are required to be sent in January for the prior tax year.
If mom has several CC or other debtors, I'd suggest you go an open a mailbox at a UPS Store and make this moms new address for everything "mom" so that her $ issues and identity can be kept separate from you & your address. This is especially good for when the OC sell the debt to collections. If you are in a city with a college, there likely will be an indepently owned mailing / packaging store that rent mailboxes, these are great as you can develop a relationship and they can tell you when stuff comes in. Also by having a mailbox for mom, you can go once a week or twice a month and get all things "mom" and deal with stuff in a batch.
Yeah it's a butt-rash.... But try to keep your sense of humor going.
Also having a mailbox for her keeps mail from going to the NH. NH cannot open her mail. Mom has to open her mail. What seems to happen is that it piles up atop their chest of drawers or gets thrown in the trash or disappears.
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 don't know if you have POA over her financial affairs. If it were me, I would close her accounts and talk to the credit card company directly about payment arrangements. I'm not sure if credit counselling services might be able to help, so you can get all your options. Does the nursing home offer any services about financial matters? Hopefully they have a social worker on retainer that could also help.
Writing debt off for those on medicaid will pose two problems later on. The CC as the "original creditor" (OC) will eventually issue mom a 1099-C Cancellation of debt. It will be the debt, plus interest, fees and could be done year mom stops paying or a year or two later. Based on when OC puts it on their books.
1099-C is taxable income. This is the first problem. Yes it's "phantom income" but is reported taxable $$. Mom will owe taxes on the income. If your state does an IRS match up, the income will take her above the income limits for Medicaid. What you as moms DPOA will need to do is file taxes for her and within the tax filing do a Form 982. It's not simple imo and not done by any of those free senior taxes done programs. To me, it's never a DIY as the 982 is sticky, I'd suggest a CPA or someone at the Block business tax offices do it. Maybe $ 300-400. There was someone on this site who was going to Turbo tax the 982 but didn't update how that went......
Second problem, if mom ignores the 1099-C, eventually the IRS will have to come after her income to repay the taxes past due. IRS as a super-creditor (vegasLady has posted about this lil tidbit) can attach Social Security income. IRS doesnt know moms backstory, all it sees is taxes due on a reported 1099-C. Problem is if mom is in a NH on Medicaid, she is required to do her co-pay or SOC (share of cost) of her SS $ to the NH under medicaid rules. If IRS attaches a part of her SS it's a problem for her Medicaid compliance. Your going to have to file taxes for her & for each year she gets a 1099-C. Comprende?
You as DPOA need to keep up with the CC so you are aware of 1099-c being sent. They are required to be sent in January for the prior tax year.
If mom has several CC or other debtors, I'd suggest you go an open a mailbox at a UPS Store and make this moms new address for everything "mom" so that her $ issues and identity can be kept separate from you & your address. This is especially good for when the OC sell the debt to collections. If you are in a city with a college, there likely will be an indepently owned mailing / packaging store that rent mailboxes, these are great as you can develop a relationship and they can tell you when stuff comes in. Also by having a mailbox for mom, you can go once a week or twice a month and get all things "mom" and deal with stuff in a batch.
Yeah it's a butt-rash.... But try to keep your sense of humor going.