Medi-Cal & Long-term Care Planning

Although it’s difficult to think about, there may come a time when you will need long term care due to illness, accident, surgery or aging.

Whether or not you currently have a long term care insurance policy, there is a very real possibility you’ll have to rely on California’s Medicaid system (also called Medi-Cal) to cover some or all of your long term care costs.

As with many things in life, however, there are challenges and issues to consider when receiving government-funded health care support, particularly for long term care. That is because receiving long term care can span weeks, months and even years.

Three key questions you should review with an estate planning or elder law attorney are:

• How can you qualify for Medi-Cal?
California Medi-Cal policies review many variables, such as your age, income level, assets, number of dependents, etc., before qualifying you for assistance

Having an estate planning attorney on your side who specializes in long term care and who understands Medi-Cal policies and procedures may increase your chances of qualifying for Medi-Cal, without leaving you vulnerable to loss of assets later.

• When does Medi-Cal begin?
Many people do not know that Medi-Cal coverage may be retroactive – you can get medical expenses—including those for long term care—paid up to three months before you apply for coverage.

• How can you protect your assets, your possessions – everything you’ve worked for from“estate recovery?”
According to federal government Medicaid policy, each state must attempt to recover some or all expenses for government-subsidized medical and nursing long term care (read:  “Medi-Cal dollars”) after death or following recovery from illness.

This policy puts you and your family at risk of losing your assets, your heirlooms, your home, your memories and your lifesavings.

We at the Dayton Law Firm are here to help. Our estate planning attorneys understand long term care and California Medi-Cal policies.

At the Dayton Law Firm, our goal is to protect Californians from government estate recovery through estate planning that covers your expenses—including long term care—while protecting your home, your family, and everything you’ve worked for.