How To Pay for Long-Term Care

Will Medi-Cal Pay for Nursing Home Care in California?

One of the biggest issues facing senior citizens and their families is figuring out how to pay for long-term care. If an elderly person requires the full-time care of a nursing home or other facility, the expenses can be quite burdensome, no matter how “well off” that person might be.

Out of pocket costs for staying at a nursing home can quickly skyrocket and many families are forced to dip into their personal savings or even sell off assets in order to pay for care. Most people might not know that Medi-Cal is the best option for California residents. You might be asking yourself, “Isn’t Medi-Cal a needs-based system with income requirements?”

The answer to that question is  “yes”. However, the program allows for anyone 55 years or older to qualify for the program no matter how much income they have. The key to getting qualified for Medi-Cal is to understand Medi-Cal’s complex rules and regulations.

The Basics of Medi-Cal

Medi-Cal’s financial requirements are very strict, to say the least, and the guidelines leave many senior citizens believing they cannot qualify for the program. That thought, however, cannot be further from the truth. Many elderly people try to qualify for Medi-Cal by giving away their assets, but that strategy is ineffective and wasteful…why give away or spend assets that took an entire lifetime to accumulate?

The good news is if a person works with an experienced Medi-Cal planning attorney, they can qualify for Medi-Cal despite the strict financial requirements and without having to spend or gift away all of their assets.

How to Qualify for Medi-Cal in 3 Easy Steps

Step 1:

Call the law offices of Elder Law Services of California to arrange for a free consultation with a qualified Medi-Cal Planning attorney. To know what kind of plan best suits your needs the attorneys will need to meet face-to-face with you and review documentation related to your special situation. For your convenience, we have ten offices throughout Southern California. We ask that you bring 3 months of bank statements, a living trust if created, powers of attorneys if created, and any other financial documents you may have.

Step 2:

Talk to the attorney about creating a full Medi-Cal and estate plan in order to protect your assets and have that property passed on to your heirs without any issues.

Step 3:

Provide copies of any documents the attorneys or paralegals may request from you and wait! Once the paperwork is submitted, the application takes about 45-60 days for the Medi-Cal office to process (depending on how busy they are). The attorneys and paralegals take care of all the work so you have nothing to worry about.

If you need help paying for long-term care, don’t let your savings waste away covering the cost. Let the government pay for your care! Contact us at (800) 403-6078 consultation today! We look forward to hearing from you!

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Call Elder Law Services of California today at
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* Please Note: Limit of 1 free consultation per individual/family.

Related Questions
  • How Much Does Medicare pay for long term care?
  • How Much Does Medi-Cal pay for long term care?
  • How do I save for long term care?
  • How Long Will Medi-Cal cover nursing home care?
  • How to pay for a nursing home with no money?
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