non-crisis-medi-cal

Non-Crisis Medi-CAL Planning

non-crisis medi-cal planningI am not Sick…Why Do I Need Non-Crisis Medi-CAL Planning? LA LAW Elder Law Attorney, Joseph McHugh and his expert Medi-CAL planning staff are dedicated to helping you answer that question and pre-plan how to protect your family assets & your life decisions, especially when facing how to pay for long term care needs.

Our staff has extensive experience in helping clients with Medi-CAL issues including Non-Crisis Medi-CAL planning and protecting family assets as you face aging and maybe the need for skilled nursing home care in case of a stroke or other emergency health situation. YOU WANT TO PROTECT AGAINST MEDI-CAL ESTATE RECOVERY! WE CAN HELP WITH THAT!

This is particularly important for adult children to understand if they have healthy parents that are starting to show signs of aging, Non-Crisis Medi-CAL planning may still be something to consider. Planning for death is one thing, but more importantly, planning for a possibly need for long term care due to a car accident, advanced stages of memory loss and dementia, stroke or other health problem that required full time skilled nursing care is a critical issue that all senior citizens and their families should have a estate plan set up to help save the family home, retirement savings and other assets.

Medicare generally pays for the first 100 days and then if you do not have long term care insurance, private pay will be the main way to pay for care. In Southern California, nursing homes average over $11,000 a month for custodial care and an average of $30,000 a month for sub-acute care (generally requires Ventilator and Feeding Tubes). Once Medicare’s 100 days is ending, the nursing home requires a month in advance payment for an acute health crisis happens!

Qualifying for California Medi-Cal & Asset and Income Limits are Changing!

Effective January of 2024 California will have a NO Asset Limit and only an income limitation.

In 2023, the countable monthly income must be at or below $1,677 (for an individual) or $2,267 (for a married couple)…Countable monthly income is determined by taking your gross monthly and deducting health insurance premiums. If you have a higher income, you may qualify with a “share of cost” (deductible).

NOTE: Asset Limits for SSI remains at:

  • Single: $2,000;
  • Couple: $3,000
  • To keep SSI Benefits when expecting an inheritance or a lawsuit settlement, we can help with a Special Needs Trust (if you are under 65 years old) and have this money go directly into this trust.

Only Seek Counsel From an Experienced Elder Law Attorney

“Do not believe everything you hear about Medi-Cal or Spend Downs or 5 Year Look Back from Social Workers, Financial Planners, CPAs, or try to file a Medi-Cal application on your own, until you have a consultation to an experienced Elder Law Attorney. You will be amazed at what is strategies are legally available to you for Medi-Cal Qualifications!”
 

 
After a thorough review of the best strategies for your family situation and our fees for the scope of work, we will structure a comprehensive legal plan created specifically to give you (or your loved one) the best care possible, while protecting your family assets.
 
Our Law Firm is centrally located in Burbank (Southern California); however, our Elder Law Lawyer, Joe McHugh and his wife Kathy McHugh, Certified Senior Advisor serve many clients throughout California. We are very proud of the many personal and professional referrals we receive from happy clients and colleagues.
 
Call for consultation: (818) 241-4238. Or you can submit this form to request a consultation.