No. With our knowledge of government qualifying criteria, we can help you retain your hard earned assets for your family.  Giving assets away without knowing what you’re doing could disqualify you for two and a half years.  But we know how to help you transfer assets to family members without any spend down forfeiture, and without any transfer penalty.  And we know how to conserve your assets so that they no longer block eligibility, and will qualify as exempt.

No. With our knowledge of government qualifying criteria, we can help you retain your home, no matter what it’s value.  Even if it is valued at over $750,000, we know how to use “tax assessed value”, not “fair market value”.  And we know how to financially restructure value so that you will be able to keep your home for your family, no matter what it’s value.   You don’t need to sell your home, but you do need to protect it from government estate claims.

It is called “Medi-Cal planning”, and it is not taught at any college or University. You must “figure” it out yourself, by utilizing your education, knowledge, research, and experience to develop lawful, accepted solutions and procedures. 90% of attorneys do not know these benefits exist, or how to legally claim them. They are neither educated or experienced in this special area, because they have chosen other areas of practice and specialization. It is a separate program from the Medi-Cal welfare program for indigent people. I have presented educational classes to attorneys and CPA’s from nine different states.

100%. In fourteen years of offering this service, we’ve never had a client turned down.

Yes! If you follow our recommendations, and you are not approved by the government, we will refund any fees paid.  No client has ever been denied approval by the government, and no client has ever had a lien placed against their home, or an attachment placed against a bank account.

Each situation is unique. There is no “one size fits all”. That is why we offer a complimentary evaluation, in the privacy of your home if you wish, to review the family and financial facts and circumstances, and develop a protection plan that meets each particular family needs. Only then will we quote a fee that is based on the particular protection procedures we recommend. There is no obligation to make a decision at the meeting, and I openly recommend that you do not make a decision at the complimentary evaluation meeting. I will advise you of the anticipated amount of the government payment under your facts, and you should think about it with your family before calling me back for additional information or discussion.

Medicaid (called Medi-Cal in California), provides benefits for nursing home care (called a Skilled Nursing Facility) under the Social Security Act, which typically includes room and board, daily care, prescriptions, supplies and medical coverage.  96% of all nursing homes participate in this program.  California is more liberal than many states.

The quality of care is more a function of the specific facility and frequency of visitation from friends and family, rather than the pay status of the patient. You get to select the nursing home that you prefer, and you get to visit every day to make sure that everything is all right.  Most facilities will generally have a mixture of Medi-Cal and private pay patients. For the most part, the actual caregivers have no idea, nor do they care, which is which. Besides, every facility must abide by both state and Federal standards of care. It is against the law to provide substandard care. In addition, every state has an Ombudsman program available to patients and their families to investigate such problems. And, regardless of whether the patient is private pay or on Medi-Cal, the more involved the family, the better the care of the patient.

Absolutely! What we are doing is showing you how to use the Federal and state Medicaid/Medi-Cal rules exactly as they are written. You’ll be learning how to use the rules to your advantage, not trying to get around them. We document meticulously and make 100% disclosure on the Application to establish a record upon which benefits must be granted.

Medi-Cal qualification has nothing to do with the IRS. If you’re talking about taxes, of course you’ll need to abide by any applicable state or Federal tax rules. But remember, gifts of assets do not normally result in gift tax until the total of non-exempt gifts exceeds seven million dollars (current limit).

That depends entirely on the particular situation, which is impacted by such variables as income, expenses, value of assets, and nature of assets. Our goal is to qualify you to get your long term care benefits within a month of your first consultation. What we pursue for you, is how to use the Medi-Cal rules to get you financially qualified as quickly as possible, while protecting as much of the your assets as possible, using existing laws exactly as they are written. Everyone who is a citizen of the United States of America, or who meets immigration rules, is entitled to access long term care nursing home benefits under Title XIX of the Public Health and Welfare Act.

Once we qualify you for Medi-Cal nursing home benefits, unless you were to acquire additional assets (for example, an inheritance) you would normally remain financially qualified for the rest of your life. And even if you receive an inheritance after you are approved for eligibility, you can let us know and we are often able to protect the inheritance for your family, and avoid penalty or confiscation.

No. What is a violation of Medi-Cal rules is to lawfully reclassify, restructure, or divest assets, for whatever reason, and then not disclose that fact at the time of Medi-Cal application. It must be done in accordance with Medi-Cal requirements. What we arrange for you is the optimum structure and timing of transfers and reclassification to maximize the portion of a patient’s assets that can be protected. Plus, since everything is legal and “above board”, and you can share with the Medi-Cal worker the details of everything you have done, there is absolutely no need to hide anything.

Because many professionals are not intimately familiar with the Medi-Cal rules, have not spent years studying every detail of the Medi-Cal rules, nor have other people, including attorneys, worked for the last twelve years helping families apply exactly these strategies, designed specifically for long term care residents. We have a 100% Medi-Cal approval success record for our clients.  Well intended, but uninformed friends, family, and others, can be the cause of loss of hundreds of thousands of dollars. Millions of dollars goes unclaimed and unused every year, only because middle class families don’t know that they exist, or where to get professional help to secure these benefits.

Don’t assume that Medi-Cal is interested in helping you learn how to save assets while qualifying for Medi-Cal. The IRS is not interested in helping you to save money by reducing your tax bill. It is the same government at work. Besides, Medi-Cal workers are not trained, nor are they allowed, to give financial or legal advice.

No! That’s one of the common misconceptions. In fact, your mother may already be qualified for Medi-Cal.  We are able to ascertain the facts about how much, when, and to whom gifts were made, so that we can arrange matters on your behalf to avoid any penalty.

Most attorneys know little or nothing about Medi-Cal qualification. And, of those that do, very few have the knowledge or experience to put together an aggressive, structured financial plan to maximize the protection of assets while preparing a client for Medi-Cal qualification. But that is exactly what we have been doing exclusively since 1999. With our experience and knowledge, we can show you exactly what you need to know.

Basically, two. You can keep paying his bills and hope he dies before his money is gone or… you can let us show you lawful techniques and strategies that will allow you to implement a plan to pass on a large portion of his remaining estate to his grandchildren, while still qualifying him for Medi-Cal benefit payments for nursing home costs.

Yes. Right now you are in charge, just like the captain of the Titanic was in charge – until it went under – or, in your case, until the money is gone. What you’re going to learn is how to retain that control, no matter how long she lives.

Don’t wait! The sooner you get started, particularly if her health is deteriorating, the greater the portion of her estate that can usually be preserved.  If you wait too long, you could lose your rights to access maximum benefits.