Everyone who knows me knows I’m an expert at helping people qualify for Long-Term Care Medi-Cal.
But they also know I don’t sugarcoat things.
When someone calls wanting to qualify for Medi-Cal, I make sure they understand that Medi-Cal covers skilled care and I describe those facilities honestly. At best, they feel like a hospital. At worst, they’re understaffed and feel like a no-tell motel. Think Motel 6, not the Ritz.
So why would anyone want this?
Because if you need 24/7 care, are on a ventilator, are bedbound, or have an expensive medical condition, you’re likely headed to a skilled nursing home, no matter how much you can afford to pay.
Even private-pay patients don’t get treated much better. And if you have any cognitive issues and break a hip or leg, your options are limited. Unless you’re ready to pay out-of-pocket for round-the-clock caregivers, you’ll probably end up in a skilled facility.
Here’s the reality:
70% of people over age 65 will need long-term care in their lifetime.
That means planning ahead is not just smart, it’s essential. Nobody wants to go broke in a nursing home. Fortunately, there’s a window of opportunity right now where you can protect assets without a lookback penalty.
Let’s take advantage of it. Give me a call today.
