Law Office of Jeffrey Gaffney
Providing asset protection and planning services to help you navigate the complex world of estate planning and preparation for the possibility of long term medical care, as well as tax savings and avoiding probate.
An extended stay in a nursing home is in many of our futures, and it can cost up to $8,000 per month in California. Medical (the California version of Medicaid) will pay for this under the right circumstances, but after your passing the government will recover the funds they paid by taking from your estate, depriving your heirs of what you have built. You can avoid this by proper preparation, but you must do it years before you ever enter a nursing home for it to be effective.
Essentially, while Medicare will cover your medical needs like any other insurance program, Medical will instead only "forward" you the money and then recover it if you have value in your estate (like your home). This flaw in our system effectively sets up an extra death tax for the unprepared.
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