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How to Choose a Medi-Cal Qualified Nursing Home

2020-06-29T21:44:39+00:00

How to Choose a Medi-Cal Qualified Nursing Home Applying for long-term Medi-Cal to help pay for a nursing home can be an arduous process—a process I’ve written about in many past blog posts. But one part of the process I haven’t spent much time discussing is how to choose the right Medi-Cal qualified nursing home for you or your loved one. To remedy that, here are five steps to find the nursing home that’s right for you. Know What’s Available Your first step is obvious: You need to figure out what Medi-Cal qualified nursing home options exist in your area. [...]

How to Choose a Medi-Cal Qualified Nursing Home2020-06-29T21:44:39+00:00

6 Do’s and Don’ts of Long-Term Medi-Cal Planning

2020-06-29T21:44:48+00:00

6 Do’s and Don’ts of Long-Term Medi-Cal Planning I write a lot about long-term Medi-Cal, because there’s a lot to say. The rules are detailed and complex, so it’s easy to get lost in the weeds sometimes. Today, I want to take a big-picture look at qualifying for long-term Medi-Cal with this list of six do’s and don’ts. Do plan early for Medi-Cal eligibility. The earlier you start planning for long-term Medi-Cal, the more flexibility you’ll have, and the easier the process will be. Remember that Medi-Cal looks back over a 30-month period to see if you’ve made any inappropriate [...]

6 Do’s and Don’ts of Long-Term Medi-Cal Planning2020-06-29T21:44:48+00:00

Long-Term Medi-Cal What’s the Community Spouse Resource Allowance

2020-06-29T21:44:55+00:00

Long-Term Medi-Cal What’s the Community Spouse Resource Allowance When a single individual applies for Medi-Cal Long-Term Care, he or she is only allowed to keep $2,000 in countable assets. But for a married couple, when only one spouse needs Long-Term Medi-Cal, and the other will remain in the community, a separate limit comes into play. That separate limit is known as the Community Spouse Resource Allowance (CSRA). For 2017, the CSRA is $120,900. The CSRA is in addition to the $2,000 that the spouse seeking Medi-Cal can keep. Here’s an overview of CSRA. How Medi-Cal Counts to $120,900 In general, [...]

Long-Term Medi-Cal What’s the Community Spouse Resource Allowance2020-06-29T21:44:55+00:00

Changes to Medi-Cal Estate Recovery in 2017

2020-06-29T21:45:03+00:00

Changes to Medi-Cal Estate Recovery in 2017 I’ve written about Medi-Cal estate recovery in the past, but today I’m going to talk about some big changes that became effective earlier this year. For Medi-Cal beneficiaries who die on or after January 1, 2017, the Medi-Cal estate-recovery rules have changed. Some of these changes only impact recipients of Medi-Cal benefits other than long-term care, but some apply across the board. Let’s see what’s different now for long-term Medi-Cal beneficiaries. 1. Survivors Under pre-2017 law, Medi-Cal could not recover from someone’s estate if he or she was survived by a spouse or [...]

Changes to Medi-Cal Estate Recovery in 20172020-06-29T21:45:03+00:00

Medi-Cal and Long-Term Care Insurance

2020-06-29T21:51:05+00:00

Medi-Cal and Long-Term Care Insurance Recently, I wrote about how Medi-Cal counts to $2,000 to determine who is eligible for long-term Medi-Cal. As I said then, that post was not an exhaustive list of all exempt property. One unique rule that Medi-Cal follows concerns its treatment of payments made by a long-term-care (LTC) insurance policy that has been certified by the California Partnership for Long-Term Care. In one sense, Partnership policies are an alternative to Medi-Cal, since they cover the costs of long-term care just like Medi-Cal would. But in another sense, they aren’t an alternative to Medi-Cal, but can [...]

Medi-Cal and Long-Term Care Insurance2020-06-29T21:51:05+00:00

How Medi-Cal Counts to $2,000

2020-06-29T21:50:23+00:00

How Medi-Cal Counts to $2,000 One of the topics I repeatedly write about on this blog is qualifying for long-term Medi-Cal. In fact, I even have an entire FAQ about it. As you’ll remember from those posts, you can only qualify for long-term Medi-Cal if your countable assets are worth $2,000 or less. Notice that that limit is on countable assets, not all assets. That’s because Medi-Cal distinguishes between countable assets and exempt assets. Let’s look at that distinction more closely to better understand how Medi-Cal counts to $2,000. We’ll start with the easy category: countable assets. Unless property is [...]

How Medi-Cal Counts to $2,0002020-06-29T21:50:23+00:00

Five Tips To Qualifying For Medi-Cal Long Term Care

2020-06-29T21:48:15+00:00

Five Tips To Qualifying For Medi-Cal Long Term Care The thought of placing a loved one in long term care facility and the financial burden associated with it can be challenging for any family. Qualifying for financial assistance from Medi-Cal is complex and fragmented. To better understand what to expect, here are five things to keep in mind. Do I have too many assets to qualify? Yes, there are asset limits to qualify for Medi-Cal, but you can “spend down” to meet these limits. This is a complicated process, so it is wise to contact an estate attorney with knowledge [...]

Five Tips To Qualifying For Medi-Cal Long Term Care2020-06-29T21:48:15+00:00

Medi-Cal FAQ: What Is “Share Of Cost” And Can I Eliminate It?

2020-06-29T21:45:45+00:00

Medi-Cal FAQ: What Is “Share Of Cost” And Can I Eliminate It? Hi there, Bridget Mackay. I'm an attorney in Petaluma, California and I practice in the area of estate planning and elder law. You are watching my frequently asked questions about long-term Medi-Cal blog, which is also connected to my website. You can find them at www.bridgetmackaylaw.com. Question number five is, "What is share of cost and does it apply to every Medi-Cal, long-term care Medi-Cal applicant?" A Medi-Cal share of cost for long-term Medi-Cal is similar to a copay that you find in your own health insurance. [...]

Medi-Cal FAQ: What Is “Share Of Cost” And Can I Eliminate It?2020-06-29T21:45:45+00:00

Medi-Cal FAQ: What Is The Look Back Formula Used By Medi-Cal?

2020-06-29T21:48:34+00:00

Hi there, Bridget Mackay, I'm an attorney in Petaluma, California, and I practice in estate planning and elder law. I'm doing a series of frequently asked questions about long-term Medi-Cal. You can also find these questions on my website at www.bridgetmackaylaw.com. In my last question, I dealt with the look-back period. And in question number four, the question is, "Which look-back formula will Medi-Cal use to determine if my family qualifies for benefits?" So, I used a previous example. I'm going to use our previous example from three which is, "Granny transfers $100,000 CD four months before applying for [...]

Medi-Cal FAQ: What Is The Look Back Formula Used By Medi-Cal?2020-06-29T21:48:34+00:00

Medi-Cal FAQ: What Is A Look Back Period Of Ineligibility?

2020-06-29T21:48:43+00:00

Medi-Cal FAQ: What Is A Look Back Period Of Ineligibility? Hi there. Bridget Mackay here. I'm an estate planning attorney and elder law attorney in Petaluma, California and I'm addressing some frequently asked questions about Long-term Medi-Cal and applying for it. You can find these frequently asked questions and answers to them on my website at www.bridgetmackaylaw.com. Today, I'm addressing the third question which is, "What is a lookback period of ineligibility?" Medi-Cal employs several formulas to determine if an applicant has transferred highly valued assets for less than their actual value or if they've made large gifts, hoping [...]

Medi-Cal FAQ: What Is A Look Back Period Of Ineligibility?2020-06-29T21:48:43+00:00