A common concern for many clients who are Medi-Cal recipients is that if they use Medi-Cal to pay for long-term care, they will lose everything they have. There is a misconception that Medi-Cal will take their homes or leave their healthy spouses penniless. Another concern is that once a Medi-Cal recipient passes away, Medi-Cal will come after their estate. We are here to explain how estate recovery works. What does “estate recovery” mean for Medi-Cal recipients? It is a requirement that, when … [Read more...]
Sacramento Medi-Cal Planning Attorney Warn About Fraud
Medi-Cal fraud and abuse are an unfortunate reality in our state. Fraud and abuse of these important government benefits cost the country billions of dollars each year, as a result of diverted funds that should have been used for valid medical services. Due to this abuse, the cost of Medi-Cal has continuously increased for many. Fraud and abuse also lead to an unnecessary risk of harm to patients when they are being unnecessarily subjected to medical procedures for the benefit of fraudulent … [Read more...]
What You Should Know about Medi-Cal Law
California’s Medicaid program is known as Medi-Cal. It provides free or low-cost health care coverage for adults who are 65 or older, blind, disabled, pregnant or residing in a long-term facility. Medi-Cal also provides benefits for non-disabled, non-elderly adults aged 19-64 who qualify based on their income levels. To qualify based on income, their level must be at or below 138% the Federal Poverty Level. For Sacramento residents, it is important to know the requirements imposed by Medi-Cal … [Read more...]
Basics of Long-Term Care Insurance
It may not be common knowledge, but many of the individuals who eventually need long-term care are not sick in the traditional sense but are merely incapable of caring for themselves. If you are inclined to plan ahead for the possible need for long-term care, one way to start is by investing long-term care insurance. What is long-term care insurance? Most people are very familiar with health insurance, life insurance, homeowner’s insurance, auto insurance. But a lesser known type of … [Read more...]
Sacramento Medi-Cal Planning Attorneys Explain how to Use Annuities
Most clients believe that, in order to qualify for Medi-Cal, they must transfer their property to someone else, before they can apply for benefits. In reality, though, transferring certain assets at any time within five years of submitting your application may result in a delay in receiving benefits. However, with proper planning, you can retain control of your assets and still qualify for Medi-Cal benefits. One option is to use an annuity. You should first discuss this option with an … [Read more...]
Medi-Cal Eligibility and Other Important Information
There is a common misconception that, if you are relatively healthy right now, you don’t need to consider future long-term care. While you may not have health issues right now, you cannot predict how healthy you will be 30 or 40 years from now. The reality is, an unexpected injury could leave you with health issues that ultimately require long-term care as well. More than two-thirds of all residents over the age of 65 need long-term care at some point in their lives. Therefore, it would be a … [Read more...]
Sacramento Medi-Cal attorney Explains Medi-Cal Fraud
Medi-Cal fraud and abuse has become an unfortunate reality for many. Fraud and abuse of this important government benefits costs the country billions of dollars each year, as a result of diverted funds that should have been used for valid medical services. Due to this abuse, the cost of Medi-Cal has continuously increased for many. Fraud and abuse also leads to an unnecessary risk of harm to patients when they are being unnecessarily subjected to medical procedures for the benefit of … [Read more...]
Medi-Cal Myths Pt. III – More on The Guv’mint’s Gonna Take My Home
Editor’s note: This is the third installment of an occasional series about common misconceptions by consumers about the Medi-Cal Long Term Care program which provides financial assistance in paying for care in a skilled nursing facility. As many of our clients already know, we regularly assist families who are facing care issues for a family member who may need long term care including advice and assistance in obtaining benefits available under certain Veterans and Medi-Cal programs. In … [Read more...]
Asset Protection Planning: Should You Be Worried?
Common goals of many folks is to build up their estate assets so that they can live comfortably during the Golden Years and – hopefully — have a nest egg left to pass down to their children, grandchildren, and/or other loved ones. These goals could be threatened, however, if the hard earned assets are put at risk – and they could be at risk without you even realizing it. The best way to protect your assets, your future, and your loved ones is to include asset protection planning as a component … [Read more...]
You Don’t Have to Be Sick to Need Medi-Cal Planning
Simply because you are healthy right now doesn't mean you may not need long-term care when you get older. This is a common misconception shared by many. The truth is, you don't have to be sick to need Medi-Cal planning. You may not have health issues at the moment, but who can predict how healthy they will be in 40 years? An unexpected injury could also leave you with health issues that require long-term care as well. In fact, more than two-thirds of all individuals over the age of 65 need … [Read more...]
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