Medi-Cal Planning:

The cost of long-term nursing home care in California can quickly drain a lifetime of savings. Many families don’t realize that Medi-Cal (California’s version of Medicaid) can help pay for nursing home care if you qualify. At Capital City Wills & Trusts, PC, we guide families through the complex Medi-Cal rules so you can protect your assets and still obtain the care you need.

Why Medi-Cal Planning Matters

Without planning, families often spend down nearly everything before realizing Medi-Cal could have covered much of the cost. With the right legal tools, you can:

• Preserve your home and savings for your spouse and family

• Qualify for Medi-Cal without unnecessary “spend down” of assets

• Avoid estate recovery after death, when possible

• Reduce stress by having a clear plan in place before care is needed

Common Situations We Help With

• A spouse needs nursing home care, but you want to keep the family home

• You want to get the Government to pay for a loved one’s in-home or nursing home care

• You’re worried about how to pay for long-term care without losing everything

• You’ve been told you have “too many assets” to qualify for Medi-Cal

• You need help completing and submitting the Medi-Cal application correctly

• You want to update your estate plan so it aligns with Medi-Cal rules

Tools for Protecting Assets

Medi-Cal planning often includes:

• Medi-Cal Asset Protection Trusts (MAPTs)

• Probate Code 3100 Petitions to preserve your family’s assets and income

• Spousal Protections for the healthy spouse still at home

• Exempt Transfers and allowable spend-down strategies

• Updated Powers of Attorney and Advance Directives to ensure authority to act

• Creating or updating estate plans to avoid Medi-Cal recovery rules

Every family’s situation is different, which is why we take the time to design a plan that fits your needs.

Why Work With Capital City Wills & Trusts, PC

• Focused Knowledge — We understand Medi-Cal’s complex eligibility, look-back, and recovery rules.

• Compassionate Guidance — We know these decisions come during stressful times and explain options in plain English.

• Asset Protection — We work to safeguard what you’ve built for your spouse and children.

• Peace of Mind — You’ll know you have a plan to cover care costs without losing everything.

Take the First Step

If you or a loved one may need nursing home care, now is the time to plan. Even if care is already needed, it may not be too late to protect assets and qualify for benefits.

Service Areas

Capital City Wills & Trusts, PC serves clients across California, with a focus on Sacramento, Placer, and El Dorado Counties, as well as the Bay Area.