Category Archives: Medi-Cal

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Medi-Cal, Spending-Down, and the “Half-a-Loaf” Strategy

Medi-Cal eligibility workers routinely tell Medi-Cal applicants that they must spend-down all of their savings on paying for nursing home care, until they only have $2,000 left, at which point they will finally qualify for Medi-Cal. This is Medi-Cal’s “preferred … Continue reading

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Annuities and Medi-Cal Planning

When the Deficit Reduction Act (DRA) goes into effect in California, it will become even more difficult for a Medi-Cal applicant to use annuities as an effective piece in an overall Medi-Cal planning strategy. (However, they can still work well … Continue reading

Posted in Incapacity Planning, Inheritance Trusts, Medi-Cal | Leave a comment

How to Fix the Home Transfer Tax Trap!

In my last blog, I talked about the Home Transfer Tax Trap. Sometimes, when people try to save their homes from Medi-Cal estate recovery claims, they just make matters worse, because they do not think through the estate tax and … Continue reading

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Don’t Fall Into the Home Transfer Tax Trap!

I like to tell my clients that Medi-Cal planning is lot like playing chess. It’s easy to understand how all the little pieces are supposed to move, but there are literally billions of ways to play the first few moves … Continue reading

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Use Personal Service Contracts to Qualify for Medi-Cal Quickly, and to Enjoy a Higher Level of Care

Harry’s dementia has been getting worse and he will need nursing home care soon. His loving daughter, Grace, has already been spending 20 hours per week helping Harry – without charge – with dressing, eating, and other “activities of daily … Continue reading

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Saving Your Home from Medi-Cal Liens

The concern that our clients have about Medi-Cal liens is a bit of a misnomer. Actually, Medi-cal will rarely place a repayment lien on your home, even if you need to accept Medi-Cal benefits in order to pay for some … Continue reading

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