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| Rule # 1 |
CSRA "... your community Spouse may keep a certain amount of the property. This is called Community Spouse Resource Allowance. For 2006 this amount is $99,450" |
| Rule # 2 |
MMMNA "... the community spouse's income to the minimum monthly maintenance needs allowance. The MMMNA for 2006 is $2,478." |
| Rule # 3 |
"A Medi-Cal applicant may reduce his or her nonexempt property to within the specified limits in any way he or she chooses within the month requested. (except gifting)" |
| Rule # 4 |
"The transfer of exempt property at anytime (property which is not counted) will not result in a period of ineligibility as long as the property would have been considered exempt at the time of the transfer. This includes a home or former home." |
| Rule # 5 |
Nonexempt property may be transferred with out incurring a period of ineligibility if the property is transferred to the spouse. Or if it was in tended to be transferred at fair market value." |
| Rule # 6 |
"... last from 1 to 30 months. This period of Ineligibility is based on the ... value of the property divided by the statewide rate for privately paid nursing facility care. 2005 is $4,812" |
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MEDI-CAL LTC
BEFORE  AFTER
Married Couple
A Medi-Cal applicant may reduce nonexempt property to within specified limits in any way within the month requesting (except gifting)!
Medi-Cal Information Notice 007 (4/01)
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Liens and Estate Claims
The Medi-Cal process involves 3 steps:
- First, being aware that the program exists before you or a loved one needs Skilled Nursing Care and properly preparing in case you do.
- Second, the actual application for Medi-Cal LTC and final arrangement of assets, property and income.
- Third, after receiving benefits, making sure that the proper procedures are followed to protect the assets from recovery or liens from the state.
In 1993, California expanded the ability of the state to recover on the property owned by the deceased Medi-Cal beneficiary. The key is to make sure, through proper planning, that there is nothing left of any value in the estate at death.
According to the Estate Recovery Unit, they currently recover the largest amount of money from homes that are left in the name of Medi-Cal beneficiary. Proper planning can save the family home.
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