Medi-Cal & Elder Law Attorney in Sacramento

Long-term care can significantly burden a family’s finances. One diagnosis, one fall, one hospital stay, and unchecked expenses threaten to inundate every spreadsheet, retirement plan, and quiet hope you have for the future. Many families share the same concerns when it comes to long-term care: How do we protect the savings we’ve built? How do we afford care without losing everything? Those questions sit at the heart of Medi-Cal planning and elder law.

Medi-Cal rules allow seniors to qualify for long-term care without having to give up everything. California laws govern eligibility, asset limits, and estate recovery, which create opportunities for proactive planning. This is where thoughtful guidance from a seasoned elder care law attorney in Sacramento matters. It’s where Attorney Tony Franceschi of Capital City Wills & Trusts, PC steps in and shows families how the law can work in their favor rather than against them.

Before you go any further, know this: Tony can meet you at your home, hospital room, or nursing facility, and create an emergency plan in as little as one day when needed. His role is to be the bridge from “I’m overwhelmed” to “I finally understand what we can do.”

How Does a Sacramento Elder Law Attorney Help Families?

A skilled elder law attorney focuses on two priorities: paying for care and preserving assets. They handle matters involving:

Long-term care planning,
Medi-Cal eligibility and crisis qualification, and
Asset protection strategies tailored to California statutes.

This work blends financial understanding, legal structuring, and practical support. Families learn not only what the rules are but also how the rules work in motion.

How Can a Medi-Cal Attorney in Sacramento, CA Help Me Protect My Savings?

California’s Medi-Cal program pays for skilled nursing facility care when you meet eligibility requirements. A Medi-Cal attorney in Sacramento, CA, employs strategies rooted in California law to help families maximize their benefits.

Some of the most effective approaches include:

Transfer timing. Transfers must comply with California’s lookback provisions to avoid periods of ineligibility.
Spousal protections. When one spouse enters long-term care, California’s community spouse resource allowance allows the at-home spouse to keep significant assets.
Exempt asset structuring. Certain assets, including a primary residence within equity limits, remain exempt under Medi-Cal rules.
Crisis planning. Even when care is needed immediately, lawful strategies can preserve substantial assets while securing eligibility.

These methods are legal, regulated, and recognized under the California Department of Health Care Services Medi-Cal eligibility rules. The key is using them with precision, not panic.

Why Do Sacramento Families Rely on Capital City Wills & Trusts for Long-Term Care Planning?

Long-term care planning asks families to confront uncomfortable truths: aging, incapacity, financial vulnerability, marriage under strain, and the fear of leaving children with nothing. An empathetic legal guide steadies the emotional terrain while providing families with a plan they can trust.

Working with Capital City Wills & Trusts offers clarity across three common concerns:

Cost of care—Sacramento nursing homes often cost more than $10,000 per month;
Asset preservation—families want to avoid unnecessary liquidation or impoverishment; and
Eligibility confusion—Medi-Cal rules shift annually and involve complex treatment of income, property, and transfers.

Clear, steady guidance turns confusion into direction. Families walk out of their first consultation with us with a plan, not fear.

When Should You Call an Elder Care Law Attorney?

Sooner is always better. However, California law still permits strategic planning, even in crisis moments.

You should contact a Sacramento elder law attorney when:

A spouse or parent is entering or already in a skilled nursing facility,
You’re spending down savings faster than expected,
You want to shield your home or preserve retirement accounts, or
You’re unsure which assets matter for Medi-Cal eligibility.

Preparation helps, but immediate action can still lead to strong outcomes. What feels like a financial emergency can be manageable once you understand the rules.

Get Clear About Your Medi-Cal and Long-Term Care Options

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Why Should I Choose Capital City Wills & Trusts, PC as My Sacramento Elder Law Attorney?

Tony built his Sacramento practice on the foundation of honesty, compassion, and practical solutions. He started his career representing people facing medical hardship through Social Security Disability and personal injury work. That experience taught him how illness and aging reshape a family’s world. It also shaped the way he practices today—patient explanations, direct answers, and strategies that acknowledge the emotional weight families carry.

Since 2016, Tony has focused exclusively on estate planning, Medi-Cal planning, elder law, and trust-related matters. As a State Bar of California Certified Specialist in Estate Planning, Trust, and Probate Law, he pairs technical authority with a calm, human-centered approach.

He brings:

Home, hospital, and nursing home visits when needed;
Same-day or 24-hour planning for urgent situations; and
Guidance that makes the complex feel manageable.

When you choose Capital City Wills & Trusts, you can rest assured that every plan begins with listening, not lecturing.

What Happens If I Delay Medi-Cal or Elder Law Planning?

California’s regulations offer planning opportunities, but they come with time limits. Delays may lead to:

Rapid depletion of savings;
Loss of options for protecting real estate;
Ineligibility periods caused by poorly timed transfers; and
Greater emotional strain on spouses, children, and caregivers.

Acting early preserves a secure future. Acting later still preserves far more than families expect, but only with the right strategy in place.

Frequently Asked Questions

How Can Sacramento Seniors Qualify for Medi-Cal Long-Term Care?

Eligibility depends on income, assets, and medical need under California’s Medi-Cal rules. Many assets, including a primary residence, certain vehicles, personal property, and retirement accounts, may remain exempt. Capital City Wills & Trusts employs strategic planning to allocate resources effectively, ensuring they meet the program’s limits.

Can Medi-Cal Take My Home in Sacramento After I Pass Away?

California allows estate recovery, but exemptions and protections exist. Proper planning can shield a home through transfers, trusts, or spousal protections recognized by state law. Acting early provides more options, but even late-stage planning offers solutions.

What Are the Asset Limits for Medi-Cal Eligibility in Sacramento?

Rules change, but many seniors can keep exempt property plus a limited amount of countable resources. For married couples, the at-home spouse may keep significantly more under the Community Spouse Resource Allowance.

When Should Sacramento Families Begin Elder Law or Medi-Cal Planning?

Start as soon as long-term care becomes a possibility. Early planning maximizes asset protection, but crisis planning remains effective even when care is already underway.

How Do Sacramento Residents Protect Their Savings from Nursing Home Costs?

Utilizing legal tools such as exempt asset planning, spousal protections, structured transfers, or Medi–Cal–compliant strategies, as permitted under California law, can help you protect your assets from nursing home costs. An experienced guide ensures you use those tools correctly.

Need a Skilled Elder Care Law Attorney in Sacramento? Talk to Capital City Wills & Trusts, PC

Long-term care planning doesn’t need to feel overwhelming. With thoughtful guidance, you can protect your savings, secure care, and give your family the confidence they deserve.

Tony Franceschi brings nearly a decade of Sacramento-focused experience, the precision of a certified specialist, and the compassion of someone who understands the real weight of these decisions. He provides swift planning when emergencies strike and meets clients wherever they feel most comfortable.

If you’re ready to protect what matters most, contact us for a consultation and a clear path forward.

Medi-Cal & Elder Law Attorney in Sacramento | Long-Term Care & Asset Protection