Remember, older adults do not have to use all available resources, such as savings, before Medi-Cal might help pay for all or some of the costs of a nursing facility! And, anyone seeking long term care benefits under Medi-Cal is NOT required to use up their assets to the $2,000 level… they are required to have no more than $2,000 in Available Assets. Assets may be transferred or re-categorized at any time if the transfer falls within Federal and State rules. There is a 30 month “look back period,” during which an applicant may be denied eligibility because assets have been transferred in violation of Federal or State rules.
- Medi-Cal by law is required to provide every applicant for long term care benefits with a form called the DHS 7077.
- Medicare will pay 100% of care fees up to 20 days in a skilled during facility (rehab) and another 80 days with a deductible of $119 per day.
- At the end of 100 days in rehab or a sub-acute facility, or if re-classified as a ‘convalescent’ during the 100 days, Medicare will cease payment of benefits. However, Medi-Cal may pay for care.
- The program accommodates anyone that is indigent. But it also accommodates older middle-class Americans specifically the aged, blind and the disabled.
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Your basic choice to pay for care include:
- Private Pay (You write the checks every month yourself)
- Long Term Care Insurance Benefits (If you have any)
- Use your entitlement under the Medi-Cal Long Term Care program
Finding out what your benefits are and how to best apply for utilize them is critical. If you’re taking care of your parents or in-laws and need help don’t wait. Call 562-627-9600 for a free consultation with a licensed elder law attorney. It could make all the difference for you and your loved ones.