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Estate Planning
Law Offices
1609 Cravens Ave.
Torrance, CA 90501

1 800 403-6078

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When Should I Begin Medi-Cal Planning?

The Answer: TODAY

It is never too early to begin the process Medi-Cal planning for yourself, your family members, or loved ones. However, it can be too late depending on the crisis situation and any rules, laws, or regulations that may pass in the future that can prevent one for effective long-term care planning. The future of long term care in America is heading for a real crisis.

According to the 2012 Social Security Fiscal Report, 76 million Americans will turn 65 from 2007-2027 (approximately 10,000 every day). Of those, 70% will require some form of long-term care in their lifetime. That’s 53.2 million long-term care patients.

Half of those (26.6 million people) will need care that will last for more than 1 year. The 2009 National Nursing Home Survey reports that the average patient stays in a long-term care facility for approximately 30 months. Average monthly costs for a Nursing home can start from $8,000, and up to an excess of $20,000 just to get the care they need.

Our prediction is that Medi-Cal will not be around to pay for long-term care once the baby boomers start to reach the nursing home age. Studies show that the overwhelming majority of baby boomers have not saved enough for their retirement. Although unfortunate, most Baby Boomers are counting on their inheritances for their retirement, but if a catastrophic illness or disease or accident requires a parent to receive long-term care, there may not be anything left in parent’s estate to inherit.

Is It Too Late? Absolutely NOT!


Under current California law, parents can legally protect their homes and still qualify for Medi-Cal, BUT THEY MUST ACT SOON. The Medi-Cal rules must and will change. Once California implements the Federal guidelines, people will have to tap into their home equity in the form of a reverse mortgage to pay for long-term care.

That’s why making sure to plan for the future is so important, through creating estate planning and asset protection documents with languages to ensure your appointed agents can plan for your future in the event you become incapacitated.

Who Should I Talk to About Medi-Cal Planning?

Families no longer need to exhaust their hard-earned savings, and because of the change in federal laws, almost anyone can qualify under Medi-Cal’s eligibility tests, making Medi-Cal planning and Asset Protection through an attorney completely legal. The decision to make the choice of hiring a law firm to handle your family’s affairs should be made with every aspect in mind. This content is offered for informational purposes only and is not intended to serve as legal advice. Consult one of our California Medi-Cal Planning Attorneys to receive professional advice about your specific case.

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Call Elder Law Services of California today at
 (800) 403-6078
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* Please Note: Limit of 1 free consultation per individual/family.

If I get married can I lose my Medi-Cal eligibility?

In the State of California, there is no such thing as “separate property” between two married people under Medi-Cal rules. Medi-Cal counts all of a spouse’s assets when determining eligibility for a married applicant.

To qualify for Medi-Cal, the combined assets of two married people cannot exceed $119,220. A Medi-Cal Planning Attorney can help you qualify for Medi-Cal benefits without having to spend down all of your assets.

Can Medi-Cal take my inheritance?

Inheritance will be counted as income in the month it is received.  If you receive an inheritance while you are receiving Medi-Cal benefits then you should contact a Medi-Cal Planning attorney as soon as possible. You or your representative will have to inform the Medi-Cal office, and your Medi-Cal coverage will stop until you have again spent down your assets to the countable limit, which is $2,000 in California. If you receive an inheritance and the amount puts you over the state’s income limits for coverage then you will not be eligible for Medi-Cal for at least that month. However, if you can properly spend down the money in the same month it is received then you will be eligible for Medi-Cal beginning in the following month. A Medi-Cal Planning Attorney can help you avoid situations like this.

Can Medi-Cal take my home after I die?

Yes. Your home can be at risk of a claim against your estate by the State of California after your death.

While you are living, your home may be an exempt asset and not counted for Medi-Cal eligibility purposes.

However, if your home is still in your name when you die and if it is subject to probate under California law, then it is counted as part of your estate.

The State of California can file a claim against your estate for the amount of the Medi-Cal benefits paid or the value of your estate, whichever is less.

Client Testimonials

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Elder Law Services of California
Based on 16 reviews
review us on
Response from the owner: Thank you for your rating Lisette. Please let us know if and when we might be of further assistance to you.- Robin Montano
I spoke to Robin and Isabel and they have outstanding customer service skills genuinely kind friendly and knowledgeable as to the needs I had ! i recommend elder law services of california 100% for accurate helpful resolutions to real estate and protection of assets for your elderly loved ones
Response from the owner: Momma Joyce, Thank you so much for the positive review, it means a lot to us. Our team works hard to help valuable clients like you and appreciates your generous acknowledgement. It's our sincere pleasure to serve you. Best,Robin M.
My family greatly appreciated the law service that Judd, Sergio and Robin provided my brother and his estate before his passing. They traveled to the hospital, explained everything accurately, expedited the process due to his health and secured my brother's estate. The trust that was generated is securing his whole estate just as he willed. This couldn't have been done any better.
Response from the owner: David, Thank you so much for the positive comment. Our team works hard to help our clients with their legal, Medi-Cal, and Estate Planning needs and always appreciates honest feedback. We're pleased that you are pleased. Best regards to you and yours, Judd, Sergio, Robin and all at Elder Law Services of California
Think of every superlative you know. Got 'em?Now you know my experience with Elder Law Services of California!A lady there, Ms. Montano, is a gem! She opened my eyes to how aLaw Firm can be of enormous help if you contact one like this one!
Response from the owner: George,Thank you so much for the positive comments, you made my day. Our team works hard to help our clients with their legal, Medi-Cal, and estate planning needs and always appreciates honest feedback. We're pleased that you are pleased. Best to you, Robin M.
We went for a living trust and we had very professional service.If you decided to do one, this are the place to do it, thanks 👍
Response from the owner: Thank you Mr. Molina. Just let us know if we can be of additional service.
Friendly staff, when the time comes for me to finalize my affairs, I would recommend this law office
Response from the owner: Thank you for the review Jesse. Just let us know if there's anything we can do for you.
Friendly and professional office
Very helpful ! They really guide you . I am very satisfied and recommend then!!
Very pleased with the assistance my parents received with the drafting of their revocable Living Trust, from Attorney Judd Matsunaga. Will definitely refer to family, friends, and associates.
Top notch! They have done services for my husband and I. Also my mother. My sister will also be using their services.They are caring. Professional. Are quick to answer questions whether by phone or email. The pricing is spot on and they go above and beyond the norm. I love the many locations.They are great communicators and are able to help us past some of the legal jargon. They are also a "teaching" institute. Judd Matsunaga writes articles coaching his readers. AND they conduct many seminars - free of charge!I can't say enough positive things about Elder Law Services of California and I'm one to not write positive feedback unless my statements are true.A++++ all the way! 5 star and more........

Elder Law Services was very personable and professional! We recommend them to anyone who is in need of Elder Law representation.

Nancy, from Los Angeles CA

Business Owner

“Our family is so thankful for the services provided by Elder Law Services of California. They are completely professional, honest, and courteous throughout my mother’s Medi-Cal application from the beginning to the end. They were with us all the way. We can’t thank you enough.”
Ricardo, from Los Angeles CA

Business Owner

Elder Law Services was extremely informative, detailed, and professional in the completion of our Trust.



“Thank you very much for all your hard work. The best law firm I have ever worked with. They are very thorough with all the documents. Very good job on our complicated case!”
Keith and Ralene, from Hollywood, CA

Family Business Owner, Business Owner

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