Some people are able to pay for long-term care out of their own funds while others were able to get long-term care insurance before they became ill. Unfortunately, most people who need long-term care have already become ill and as a result can no longer obtain long-term care insurance. They are also unable to pay for the cost of long-term care themselves without depleting all of their life savings and having to sell their other assets, including the family home. People who find themselves in these circumstances are forced to look to public benefits programs, such as Medicare and Medicaid, for help.
The attorneys at Elder Law Services of California who specialize in elder law can help you through the application process and design a plan for you that will preserve the maximum amount of your assets and income. Some accountants and financial planners will attempt to provide the same services for their clients. However, they may not know the intricacies of this area of law and are not authorized to give legal advice. Call attorney Judd Matsunaga today at 1-800 403-6078 for a free consultation.
Medi-Cal is the California state version of the joint federal-state program which provides health insurance coverage to low-income children, seniors and people with disabilities. Medi-Cal also covers the cost of nursing home care for those who qualify. In the absence of any other public program covering long-term care, Medi-Cal has become the default nursing home insurance of the middle class.
While Congress and the federal Health Care Financing Administration create the rules under which Medi-Cal operates, each state runs its own program. It is for this reason that the rules vary from state to state. Elder Law Services of California specializes in these issues. Call attorney Judd Matsunaga today at 1-800 403-6078 for a free consultation