Are you planning to apply for Medi-Cal benefits in the Torrance area and need legal advice? If so, you may wish to schedule a consultation with the experienced Medi-Cal planning and asset protection attorney Susan B. Geffen. Medi-Cal benefits can provide substantial assistance for the elderly when faced with medical costs and/ or long-term nursing care. However, there are some complicating factors for many elderly adults. Torrance Medi-Cal planning and asset protection attorney Susan B. Geffen has been successful in helping many clients through the complicated process of Medi-Cal planning and asset protection. If you live in or around Torrance, contact Susan today to begin planning ahead for Medi-Cal benefits and protecting your valuable assets for your family.

Preparing for Medi-Cal Benefits

Preparing for applying and receiving Medi-Cal benefits generally fits into two categories: those who need assistance now and those who are able to plan ahead before the need arises. Susan can provide knowledgeable help with those in either situation.

Assistance for Those Facing a Crisis
If you or a loved one have already been admitted to a nursing home or are about to be admitted, there is help available. Susan has a quick response system in place in Torrance for crisis Medi-Cal planning, and she can help you get answers quickly. Often, she can get you answers and assistance within a matter of days. This is important in a time of crisis. In the event of a medical emergency that qualifies you for Medi-Cal, Susan can help you protect your assets right now while still maintaining your eligibility for benefits.
Advance Medi-Cal Planning
For those who do not yet need the benefits of Medi-Cal, Susan can work to help protect your assets while ensuring you are eligible for Medi-Cal benefits, when that time comes. Without sufficient advanced planning, you could go broke from in-home or nursing home care, leaving no legacy to pass on to your loved ones. California law provides the means for elderly adults to keep their homes and much of their resources. However, you need an experienced asset protection attorney, like Susan, to make sure your steps are legal and sustainable.

Understanding Your Medi-Cal Benefits

Medi-Cal is the Medicaid state medical assistance program in California. Different from Medicare, which is completely funded and administered by the federal government, Medi-Cal is administered by the state and receives funding from federal and state taxes. The two programs that provide assistance with Medi-Cal are:

  1. The Medical benefit – this provides medical assistance coverage and has an attached asset qualification for eligibility.
  2. The Long-Term Care benefit – this portion covers medical expenses, skilled nursing care and hospice in most cases.

There are some complicating factors that many elderly adults may not understand that can prevent them from qualifying for Medi-Cal benefits.
One of these is the asset ceiling imposed by Medi-Cal. If both spouses are in a nursing home, their joint non-exempt assets cannot exceed $3,000. If only one spouse needs nursing home care, the Community Spouse Resource Allowance is $117,240.

Exempt assets that will not be counted in determining your Medi-Cal eligibility can include:

  • Your primary home
  • One vehicle
  • IRAs with some qualifications
  • Your pre-paid burial site
  • Life insurance of no more than $150,000
  • Assets held in an irrevocable trust

The other complication is the “Look Back Period.” In California, if an applicant for Medi-Cal (for nursing home care) gives away assets as a gift, this can revoke your eligibility for up to 30 months. This means that depending on the size of the gift or transfer, the applicant might have to wait 2.5 years until he or she can apply.

Protect Your Assets in Torrance to Preserve Medi-Cal Eligibility

Without a solid plan for protecting your assets, you could go broke paying for long-term care and leave nothing behind for your loved ones. Susan B. Geffen is an experienced Torrance asset protection attorney who can help you structure a reliable plan to protect your assets while still remaining eligible for Medi-Cal benefits. The laws can be complex, but Susan has over 30 years of experience helping California residents get the benefits they deserve while preserving their legacy for the future.

If you live in the Torrance area, contact the office of Susan B. Geffen to begin planning now for Medi-Cal eligibility. With an experienced Medi-Cal asset protection attorney on your team, you can enjoy the best of all your life’s labor while still getting the assistance you need for future medical needs.

Trusts & Wills

Susan B. Geffen has helped hundreds of families with their estate planning. Is a Living Trust just for the wealthy? No. If you own a home, have children, wish to leave your assets to whomever you choose, then you should consider having a living trust prepared for you.

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Probate

Susan B. Geffen can help you with your probate matter, and provide you with the expert guidance throughout the process.

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Conservatorships

Many of Susan’s clients ask her about Conservatorships. It is a serious process and it takes a very knowledgeable and experience attorney to evaluate whether or not a conservatorship is realistic and/or necessary.

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Nursing Home Abuse

Susan B. Geffen has been looking out for the elderly for almost 3 decades as an elder law attorney, gerontologist, and former law professor. She is the author of the book, “Take That Nursing Home and Shove It!”

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Trust Litigation

Disputes often arise after an individual dies and their estate is being administered by the named trustee. This is especially so when when there are substantial amounts of money involved or when family conflict is present.

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Special Needs Trust Planning

If a disabled individual receives a lump sum inheritance, they will lose all of the public benefits that have supported them during their lifetime until such time that that inheritance is spent down to a qualifying amount, usually $2000.00.

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If you are concerned about Medi-Cal recovery, Susan has been successful in helping many elderly adults with the complicated and critical process of Medi-Cal Planning and Asset Protection.

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If you are concerned about Medi-Cal recovery, Susan has been successful in helping many elderly adults with the complicated and critical process of Medi-Cal Planning and Asset Protection.

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Medi-Cal Planning & Asset Protection Redondo Beach

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Susan B. Geffen Law

Contact Susan

Call Susan today (310) 406-0608 or send her a message by filling out the form below.

    Testimonial

    My parents and I retained Susan Geffen’s legal services to navigate through the Medi-Cal process and to preserve my parent’s assets. The process was long and hard, but Susan hung in there with us, even when my parents seemed reluctant and indecisive. Susan showed her professionalism and concern for the elderly by continuing to provide legal services and guidance without payment during a period between the two phases of our journey. I would recommend Susan to anyone in need of legal services relating to the elderly and elder care.

    Rick Y. Torrance, CA