Medi-Cal Benefits 2009 Qualification Test

In order to qualilfy for Medi-Cal benefits for long-term care, an applicant must pass a two- prong test: (a) Assets; and (b) Income.

(a) ASSETS
To qualify for Medi-Cal nursing home benefits, a single applicant cannot have more than $2,000. in countable assets.
A community spouse (married couples) may keep up to $109,560 in countable assets.
However, Medi-Cal considers certain assets to be "exempt" from the above countable asset requirements.

What are non-exempt assets?

Generally, "non-exempt" assets are assets that are readily available to you and therefore could be used to pay for your care. This includes property such as:

• Cash

• Checking and savings accounts

• Certificates of deposits

• Stocks and bonds

• Mutual funds

• Real property other than your home

• Promissory notes

What are exempt assets?

The following property is generally exempt and therefore, not counted in determining Long Term Care Medi-Cal eligibility:
The home: totally excluded, if it is the principal residence. The applicant must state an intent to return to the home. Includes mobile home, houseboat, or an entire multi-unit dwelling as long as any portion serves as the principal residence of the applicant.