Eligibility

Financial Options

Crossroads expertise is in asset protection, exemption, and government benefits. We are accomplished professionals who understand the complex regulations pertaining to Long Term Medi- Cal eligibility. Most families do not realize that Long Term Medi-Cal is a benefit that every Californian has the right to utilize. Wealthy or needing, despite one's financial blueprint, Long Term Medi-Cal is available to all seniors residing in a Skilled Nursing Facility.

Please contact Crossroads for your free consultation.

For A Single Individual

Exempt Assets:

One car
One house

Non-Exempt Assets:

Checking and savings account
Stocks
Bonds
Annuities
Life insurance where there is cash value

Qualified Retirement Plans:

Must be taking mandatory distributions
- 73 years of age
Distribution goes to share of cost
IRA, Roth IRA, 401k

Property Allowance: $130K

Discussion Points:

Home
- Trust to avoid probate and protect from Medi-Cal recovery
Life Insurance
- Whole vs Term vs Burial

Eligibility Factors

For a Married Individual

Exempt Assets:

One car
One house

Non-Exempt Assets:

Checking and savings account
Stocks
Bonds
Annuities
Life insurance where there is cash value

Qualified Retirement Plans:

Must be taking mandatory distributions
- 73 years of age
Distribution goes to share of cost
IRA, Roth IRA, 401k

Property Allowance: $195K

Discussion Points:

Home
- Trust to avoid probate and protect from Medi-Cal recovery
Life Insurance
- Whole vs Term vs Burial