Despite the fact that you likely want to remain in your own home, the reality is that there may come a time when you need the type of care that can only be provided by a long-term care facility. If that time comes, you may need to turn to Medi-Cal for help paying your long-term care (LTC) bill. One of your concerns about turning to Medi-Cal for help may be the perceived impact relying on Medi-Cal will have on your spouse who plans to remain in the community. To alleviate those concerns, we will … [Read more...]
Learn More about Medi-Cal Planning during Older Americans Month
If you are a senior yourself, or will be in the near future, the month of May should hold particular significance for you. Each May we celebrate Older Americans Month in the United States. This year, if you do not already have a Medi-Cal planning component in your estate plan, Older Americans Month is an excellent time to learn more about the benefits of Medi-Cal planning. The Historic Increase in the Older American Population Over the last several decades, the population of older Americans … [Read more...]
Will My Father Qualify for Medi-Cal?
In recent years, more and more adult children are taking on the role of caregiver to an aging parent in the United States. As the population of older Americans continues to increase, healthcare for seniors has become a hot topic as well. If you have a parent whose health is deteriorating, now is the time to start worrying about the high cost of long-term care (LTC), if you have not already done so. At an average cost of almost $10,000 a month in California, may seniors must rely on Medi-Cal to … [Read more...]
Choosing a Nursing Home
Do you or a loved one need nursing home care? If so, you will likely want to make sure that your loved one becomes a resident in a home that fits his or her many needs. There are many features to take into consideration when choosing the best nursing home. Take a look at the following guide to help make the best choice. Choose a nursing home that isn’t too far away. You may want to be able to visit your loved one often. Choosing a nursing home that is relatively close to your home … [Read more...]
Ways to Pay for Long Term Care
Paying for long term care is a scary thing for most families. In California, the annual costs of a semi-private room (one roommate) is over $100,000 and a private room is even more. Double these numbers if spouses or partners need care at the same time and there are additional expenses as well. How to Pay for Long Term Care Private Pay Long Term Care Insurance Veterans Benefits Medicare Medi-Cal Private Pay Some folks can self insure because they can afford to private … [Read more...]
There are Many Ways to Qualify for Medi-Cal to Pay for Long Term Care
Qualified and experienced elder law attorneys help those, who need long term care, qualify to have the care paid by Medi-Cal benefits. For both Medi-Cal, you need to financially (and medically) qualify. Here are 12 ways in which elder law attorneys help people qualify for financial assistance, if they are not immediately eligible. Consult with a qualified and experienced elder law attorney whose practice includes Medi-Cal long term care benefits to determine which strategies are best for … [Read more...]
Deciphering Medicare Benefits vs Medi-Cal Benefits
Many folks continue to be confused about the differences between Medi-Cal and Medicare. Both Medicare and Medi-Cal, which is California’s name for the Medi-Cal program, have their originals in federal law. They were originally enacted in 1965 under President Johnson’s Great Society programs. Both programs have evolved over the years. Medicare was focused on providing health care for the elderly while Medi-Cal was focused on providing health care for the poor. California’s Medi-Cal … [Read more...]
Common Estate Planning Myths (part 2 of 3)
Friends, family, acquaintances, and the internet are a breeding ground for estate planning myths. These myths can lead to a failure to plan or a plan that fails. To set the record straight, we are dispelling common estate planning myths in this three part article. 3. Joint ownership, commonly called joint tenancy, is an inexpensive and easy way to avoid probate. It’s cheaper than using a fully funded revocable living trust. Myth!!! Joint ownership means that you could lose your … [Read more...]
What is your greatest fear?
According to the study Aging in Place in America, more people over the age of 65 are afraid of moving into a nursing home than are afraid of death. One of the problems with our fears is that so many of us choose to ignore them. Ignoring the possible need for nursing home care means that you miss out on the valuable chance to plan ahead. Not only does planning ahead let you shape what your nursing home experience might look like, it also allows you to think carefully about how you’ll pay for … [Read more...]
Should I Pay a Lawyer for Medi-Cal Planning?
Elder law attorneys vary in what they charge for Medi-Cal planning; a common fee is equivalent to the average cost of one month in a nursing home. However, it will typically vary depending on the complexity of the needed planning. Why should you pay thousands of dollars for Medi-Cal planning? The answer is simple: To save what you have. If you don’t bother with nursing home planning and you need care, you will continue to pay with your private funds until they run out. Once you’re broke, … [Read more...]
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