Health is not valued till sickness comes.

At  Davidson, Russ and Diamond  we understand that preparing for the death of a loved one, or figuring out how to get long-term care for your family members can be a difficult and somber topic. However, protecting a loved one’s assets can provide peace of mind and a sense of security that will leave your entire family at ease. Our attorneys specialize in Medi-Cal planning and asset protection for those family members who are entering the “Golden Years” of their lives. 

Generally, most individuals and families want Medi-Cal to pay for long-term care or the preparation of the need for a skilled nursing facility (SNF), sub-acute facility, or rehabilitation center. Medi-Cal is the only government program that will cover the cost of long-term care in a  skilled care facility. The process of Medi-Cal planning is to properly protect the financial integrity of the individual(s) while getting them the benefits they currently need or might need in the future.

 How Do I Qualify for Medi-Cal?

Just because a person has assets or savings does not disqualify them from receiving Medi-Cal. Due to changes in federal laws enacted in 1996, almost anyone can be approved under Medi-Cal’s eligibility tests. Our team works within the Medi-Cal rules to help qualify 99.99% of our clients.  The planning and qualification process may be different for one individual to the next, as it depends on your own personal set of circumstances and objectives. However, our team will formulate a plan to get you qualified without having to “spend down” your assets and savings accounts.

Medi-Cal rules are very complex and change every year. An improper transfer may result in an ineligibility period of up to 5 years. The most prudent way to qualify for Medi-Cal is by consulting with a qualified professional before attempting to start the process yourself. Protecting your assets can be one of the most important things to do during old age and our team of qualified experts is here to help.