Why should Medi-Cal planning be included in my estate plan?

Many seniors in long-term care (LTC) rely on Medi-Cal to cover the high cost of that care. Again, because you are statistically more likely to outlive your spouse, you need to plan for the possibility that you will one day need LTC. Conversely, Medi-Cal planning is also important to ensure that your spouse does not deplete your entire nest egg with his LTC expenses, leaving you with nothing.