Big Decrease in Long Term Care Medi-Cal and IHSS Asset Limits in 2027: How Planning During the Current Window of Opportunity Can Save Tens of Thousands of Dollars and Prevent Delays in Eligibility for Long Term Care Medi-Cal and In Home Supportive Service

What Will Be Discussed:

• What services are provided by Long-Term Care Medi-Cal and In-Home Supportive Services? LTC Medi-Cal pays skilled nursing costs for qualifying seniors and people with disabilities. IHSS provides caregivers for qualifying persons.
  
  
• What is the Assisted Living Waiver, and who qualifies? ALW Medi-Cal pays for nursing home level care at home or in an assisted living facility.
  
  
• What are the current income and asset limits for IHSS, ALW, and LTC Medi-Cal? Current figures for both unmarried and married applicants.
  
  
• What is the window of opportunity that exists before asset limits drop in July 2027? Plan now to lock in today's limits before they fall dramatically next year.
  
  
• How much can I save if I act now? Putting an Asset Preservation Plan in place can save $15,000 or more, and can prevent Medi-Cal from recovering against your home and savings after you die.
  
  
• Can an Asset Preservation Plan protect your spouse? Yes. It helps maximize the income and assets a community spouse can retain for his or her own needs.

• Anyone currently receiving IHSS, ALW, or Long-Term Care Medi-Cal
  
  
• Families with a senior or a loved one with a disability who may need caregiving or long-term care services in the future
  
  
• Surviving and community spouses looking to maximize the income and assets they can retain
  
  
• Hospital discharge planners, nursing home administrators, and social workers who need to stay current with HCBS and LTC Medi-Cal eligibility rules and advise patients and families on planning opportunities
  
  
• Anyone with a Medi-Cal plan built before 2026, since the eligibility rules have changed twice since
  
  
• Anyone who wants to take advantage of a long-term care planning window that is only open for the next nine months

• These are enacted laws, not proposals. The change is already on the books.
  
  
• Roughly nine months of planning runway remain before the July 2027 change takes effect. Once the window closes, options available today will no longer be available.
  
  
• Advance planning and crisis planning are not the same thing. Families who plan ahead have strategies that families in a crisis simply don't.​​​​​​​

• Peace of mind that comes from having your plan in place.