Mar
02
2015
0

What assets can you keep when qualifying for Medi-Cal?

What assets can you keep when qualifying for Medi-Cal?

Your Home: Your home is generally exempt, or not counted, in determining eligibility for Medi-Cal. The Medi-Cal applicant, or their representative, must express an intent to return home. This is confirmed on the Medi-Cal application. It is also confirmed when you execute your estate planning documents with your elder law attorney. The home is also exempt if a spouse, minor, blind or disabled child lives in the home. You will most likely want to transfer your interest in the home to your spouse or child in order to avoid a recovery by the state against your home after you die. You will need the help of your elder law attorney regarding an transfers concerning the home.

Personal Property: Your household goods and personal effects are totally exempt for determining eligibility for Medi-Cal.

Cars: Medi-Cal will give you an exemption for one car.

Jewelry: When one spouse is in a nursing home, all jewelry is exempt. For a single person, wedding and engagement rings and heirloom jewelry are exempt.

Whole Life Insurance: You cannot have more than $1500 cash value in your policy. If there is more than $1500 cash value, it must be reduced.

Term Life Insurance: Term life insurance is totally excluded.

Burial Plots: Burial plots are totally excluded:

Prepaid Irrevocable Final Expense Trusts: You can put any amount into an irrevocable final expense trust for your funeral and final expenses. These trusts are used for general estate planning, but are also helpful for planning for Medi-Cal eligibility. You can “spend down” a portion of your assets by transferring them to a final expense trust in order to create eligibility for Medi-Cal. You can ask your elder law attorney about this trust, and there is generally no fee for its creation and implementation.

IRAs and work-related annuities: If the IRA is in the applicant’s name, the IRA is exempt if the applicant is receiving periodic payments of interest and principal. If the IRA is in the well spouse’s name, it is totally exempt.

Community Spouse Resource Allowance: The spouse at home, called the community spouse, can have up to $119,220 in liquid assets, plus the home, IRAs and other exempt assets listed above.

For additional information, you can contact your elder law attorney Michael J. Young. This information is not to be taken as legal advice, and you are encouraged to see your elder law attorney. At the law offices of Michael J. Young, 1931 San Miguel Dr., Ste. 220, Walnut Creek, CA http://www.WalnutCreekElderLaw.com, 925-256-0298,lawyoung1@gmail.com, we practice elder law and we help Baby Boomers, Seniors and families through their Elder Care Journey. We help families with Sustainable Estate Planning TM, long term care planning, asset protection plans, special needs trusts, comprehensive estate planning, wills, trusts and powers of attorney. We also help Baby Boomers and families get their “Ducks in a Row” in order to help them qualify for Medi-Cal and the VA Aid & Attendance Improved Pension Benefit.

Jan
02
2015
0

Treatment of The Home With Reverse Mortgages By Medi-Cal

Under the Medi-Cal regulations, it is fairly easy for us to establish the home as an “exempt asset” for qualification for Medi-Cal. The usual way is to confirm “an intent to return home” by the Medi-Cal applicant. The next task is to protect the home from a Medi-Cal lien if you pass away after having been on Medi-Cal. If you die after having been on Medi-Cal, and you are still on title to the home, Medi-Cal can put a lien on your home to recover the payments they have made to the nursing home. If you are not on title to the home when you die, Medi-Cal cannot pursue recoupment against your home. After we confirm the home as an “exempt asset”, we can transfer the home to another person without penalty under the Medi-Cal regulations. You can always transfer the home to your spouse without penalty. The goal is to keep the home as a legacy in your estate without it going to the state.

If you have a reverse mortgage on your home, it may become difficult for you to transfer title of the home to another person without triggering the due on transfer clause under the mortgage. This means that the loan could be due and payable upon the transfer. Also, if you go into a nursing home for an extended period of time, the reverse mortgage can become due and payable, and the home could be sold under the terms of the reverse mortgage. Any proceeds from the sale that you realize may make you ineligible for Medi-Cal benefits.

A reverse mortgage on your home is sometimes a good option for the older person. However, please keep in mind that it may not be such a good option if you could go into a nursing home in the foreseeable future. You should seek the advice of your elder law attorney for a full discussion of protecting the home, before committing to a reverse mortgage.

For additional information, you can contact your elder law attorney Michael J. Young. This information is not to be taken as legal advice, and you are encouraged to see your elder law attorney. At the law offices of Michael J. Young, 1931 San Miguel Dr., Ste. 220, Walnut Creek, CA http://www.WalnutCreekElderLaw.com, 925-256-0298,lawyoung1@gmail.com, we practice elder law and we help Baby Boomers, Seniors and families through their Elder Care Journey. We help families with Sustainable Estate Planning TM, long term care planning, asset protection plans, special needs trusts, comprehensive estate planning, wills, trusts and powers of attorney. We also help Baby Boomers and families get their “Ducks in a Row” in order to help them qualify for Medi-Cal and the VA Aid & Attendance Improved Pension Benefit.

Apr
17
2014
0

Special Needs Trusts For Children

A number of our clients have “special needs” children who are presently receiving public benefits such as Supplemental Security Income and Medi-Cal. Other clients have “special needs” children who may need public benefits later in life. These public benefit programs have asset limits. Many times the children who are receiving public benefits become settled in their lifestyles regarding their living arrangements and working requirements. They usually do not want to lose these benefits and have their lifestyles disrupted by receiving an inheritance when their parents or grand parents pass away.

The parents and grandparents want to preserve the family wealth for all of their children and grandchildren, and do not want to disinherit a child. There is a remedy for this problem, and that is the creation of a supplemental special needs trust. This trust is written into the revocable living trust of the parents or grandparents as part of their estate plan. The share of the inheritance for the special needs child will go into the supplemental special needs trust upon the passing of the parents or grand parents for the benefit of the special needs child.

The overall goal of the supplemental special needs trust is to provide for the needs of the special needs child that are not being met by government benefits. The life of the special needs child can be enhanced by providing for better care, supplemental medical needs, supplemental therapies, recreational opportunities and other living enhancements. The wealth of the family can thereby be preserved, and when the special needs child passes away, his or her share of the inheritance can go to his children or to other family members.

The language in the supplemental special needs trust must be very specific in order for the child to keep the public benefits and yet benefit from the trust. First, the child must not be the trustee, and may not have legal access to the funds in the trust. Another person must be named as trustee. The terms of the trust direct that any distributions from the trust must be in compliance with the Supplemental Security Income, Medi-Cal or other government benefits regulations, so that benefits are not disrupted. The trust must also be drafted in such a way as to avoid any recoupment by Medi-Cal after the special needs child passes away. Your Walnut Creek Elder Law Attorney can advise you and help you in the preparation of a supplemental special needs trust.

This information is not to be taken as legal advice, and you are encouraged to see your elder law attorney. At the Law Offices of Michael J. Young, at 1931 San Miguel Dr., Ste. 220, Walnut Creek, CA www.WalnutCreekElderLaw, 925-256-0298, lawyoung1@gmail.com we practice Elder Law and we help Baby Boomers, Seniors and families through their Elder Care Journey. We help families with long-term care planning, asset-protection plans, comprehensive estate planning, wills, trusts and powers of attorney. We also help Baby Boomers and families get their “Ducks in a Row” in order help them qualify for Medi-Cal and the VA Aid & Attendance Improved Pension benefit.

Oct
08
2013
0

IRAs and Medi-Cal Qualification

The Medi-Cal applicant can have any amount of IRAs that are in his name, and still qualify for Medi-Cal. For instance, the applicant could have $200,000 or more in his name in IRAs, and still be eligible for Medi-Cal. IRAs and work related pension funds are also exempt from Medi-Cal qualification. The only requirement is that the Medi-Cal applicant must be receiving periodic payments of interest and principal from the IRA. If you are receiving minimum required distributions (RMDs) under the IRS rules from your IRAs, then you have probably satisfied this requirement.

In addition, the IRAs owned by the well spouse of a Medi-Cal applicant are also exempt for Medi-Cal qualification. The IRAs owned by the well spouse are also not included as part of the community spouse resource allowance (CSRA). The CSRA, or the amount the well spouse can retain is $115,920.

After the Medi-Cal applicant dies, the State cannot recover from his IRAs or from his work-related pension funds, provided that a pay on death beneficiary is named. If the beneficiary of the IRA is the estate of the applicant, the State may be able to recover against the fund. Beneficiary designations on IRAs and other assets should be reviewed as part of the long term care planning process with your elder law attorney.

This information is not to be taken as legal advice, and you are encouraged to see your elder law attorney. At the Law Offices of Michael J. Young, at 1931 San Miguel Dr., Ste. 220, Walnut Creek, CA www.WalnutCreekElderLaw, 925-256-0298, lawyoung1@gmail.com we practice Elder Law and we help Baby Boomers and families through the Elder Care Journey. We help families with long-term care planning, asset-protection plans, comprehensive estate planning, wills, trusts and powers of attorney. We also help Baby Boomers and families get their “Ducks in a Row” in order help them qualify for Medi-Cal and the VA Aid & Attendance Improved Pension benefit.

Oct
07
2013
0

Medi-Cal and Life Insurance

An individual can have any amount of Term Life Insurance, and still qualify for Medi-Cal. Term life insurance has been defined as life insurance that pays a benefit in the event of the death of the insured. So if you have a life insurance policy that pays $10,000 upon your death to your son for instance, that policy is exempt for qualification from Medi-Cal. Also, after the Medi-Cal applicant passes away, the $10,000 is paid to the beneficiary son, and there is no recovery by Medi-Cal. Problems can arise however, if the Medi-Cal recipeint receives a benefit from a life insurance policy, upon the death of his spouse for instance. This event could create immediate disqualification for the Medi-Cal recipient. As a result, when we do long term care planning, we take this possibility into account.

Whole life insurance policies are treated differently for Medi-Cal qualification. Whole life polices cannot  have a total face value, or cash value, that exceeds $1500. The cash value of the policy that exceeds $1500 is counted as an asset toward Medi-Cal qualification. An individual can not have more than $2,000 in non-qualified funds in order to qualify for Medi-Cal. As a result, the cash value of the Medi-Cal applicant’s whole life policy in excess of $1500 will have to be reduced and then transferred in order to create qualification. If the applicant has lost mental capacity, the financial durable power of attorney, provided it has the appropriate language, would be relied upon to liquidate the policy and then to possibly gift the excess amounts, in order to create Medi-Cal qualification. All of these issues should be taken into account as part of long term care planning.   

This information is not to be taken as legal advice, and you are encouraged to see your elder law attorney. At the Law Offices of Michael J. Young, at 1931 San Miguel Dr., Ste. 220, Walnut Creek, CA www.WalnutCreekElderLaw, 925-256-0298, lawyoung1@gmail.com we practice Elder Law and we help Baby Boomers and families through the Elder Care Journey. We help families with long-term care planning, asset-protection plans, comprehensive estate planning, wills, trusts and powers of attorney. We also help Baby Boomers and families get their “Ducks in a Row” in order help them qualify for Medi-Cal and the VA Aid & Attendance Improved Pension benefit.

die after having been on Medi-Cal, and your term life insurance policy pays a benefit in the amount of $10,000 to your son, for instance .

Sep
30
2013
0

I Thought My Revocable Living Trust Protected My Assets from Medi-Cal

Many people who call our office are under the belief that because they have a revocable living trust, that their assets are exempt from Medi-Cal qualification. They also believe that their revocable living trust protects their assets from a Medi-Cal lien from recovery to the State after they die. Both notions are incorrect.

When qualifying for Medi-Cal, all assets in the name of the applicant, including those in the applicant’s revocable living trust, are counted. If assets are held in a revocable living trust created by a husband and a wife, all of the assets in the trust are counted towards qualification, whether the applicant is the husband or the wife. If you pass away after having been on Medi-Cal, all assets in your revocable living trust are subject to recovery. If there are no assets in your revocable living trust when you die, there can be no recovery against the trust.

In order to gets your “Ducks In a Row” for possible Medi-Cal qualification and protections of assets, your revocable living trust should be updated so that it contains the requisite asset protection and government benefits planning language. In the event of your incapacity, this language will allow your fiduciary, usually your spouse or another loved one, to gift assets or transmute (transfer) assets, pursuant to the Medi-Cal regulations and California law, in order to qualify for Medi-Cal. The majority of revocable living trusts do not contain this language.

If you have an irrevocable trust, the assets in that trust may or may not be counted toward Medi-Cal qualification. And, the assets in the irrevocable trust may or may not be protected from a Medi-Cal lien after you die. The irrevocable trust should be examined by a qualified elder law attorney in order to make that determination.

This information is not to be taken as legal advice, and you are encouraged to see your elder law attorney. At the Law Offices of Michael J. Young, at 1931 San Miguel Dr., Ste. 220, Walnut Creek, CA www.WalnutCreekElderLaw, 925-256-0298, lawyoung1@gmail.com we practice Elder Law and we help Baby Boomers and families through the Elder Care Journey. We help families with long-term care planning, asset-protection plans, comprehensive estate planning, wills, trusts and powers of attorney. We also help Baby Boomers and families get their “Ducks in a Row” in order help them qualify for Medi-Cal and the VA Aid & Attendance Improved Pension benefit.

Jul
19
2013
0

Baby Boomers Predict The Future!

Baby Boomers Predict The Future!

Wouldn’t it be nice to be able to predict the future for us Baby Boomers, and start planning for it! But we do know certain things about our future …

  •  On average, 10,000 people are turning age 65 every day.
  • It is predicted that at least 70% of people over age 65 will need long-term care services.
  • Currently, the median cost of long-term care for one year in the United States is $83,950.00.
  • In 30 years, when the last of the Boomers reach age 65, the price of long-term care is expected to be at an all time high of $190,000 per year.
  • Currently, the average amount of time a person needs long term care is 2.7 years.

 As my grandson would say, “OMG!”

As a senior estate planning attorney, and a Baby Boomer, we need to ask ourselves what we can do to plan for our long term care. GE Long Term Care Insurance conducted a study and found that nursing home costs are rising at a rate of 5% every year, outpacing inflation. With the rapidly growing elderly population this is the simple law of supply and demand.

 So, what can we do to prepare for the second half of life? If you or your spouse are age 65 and one of you goes into a nursing home, do you have a spare $513,000 lying around to pay for your or your spouse’s care.

 We still have Medi-Cal in California, which pays for the cost of a skilled nursing facility. The VA Aid & Attendance Pension benefit is still available to help pay for in home care and assisted living facility costs.

But you need to “get your ducks in a row” ahead of time to plan for qualification for these benefits. For starters, Baby Boomers are now taking advantage of modern asset protection and government benefits planning qualification techniques, which are incorporated into their estate planning documents. Also, one of our main goals is to preserve our homes for our children, without a lien for payback to Medi-Cal. With the modern language in your estate planning documents, if you become incapacitated, your spouse or loved one can follow through with qualification and asset protection techniques under the Medi-Cal and VA regulations.  

This information is not to be taken as legal advice, and you are encouraged to see your senior estate planning attorney before attempting any of these techniques. 

At the Law Offices of Michael J. Young, at 1931 San Miguel Dr., Ste. 220, Walnut Creek, CA www.WalnutCreekElderLaw, 925-256-0298, lawyoung1@gmail.com we practice Elder Law and we help Baby Boomers and families through the Elder Care Journey. We help families with long-term care planning, asset-protection plans, comprehensive estate planning, wills, trusts and powers of attorney. We also help Baby Boomers and families get their “Ducks in a Row” in order help them qualify for Medi-Cal and the VA Aid & Attendance Improved Pension benefit.

Apr
01
2013
0

Now Is The Time To Plan For Incapacity

My mother, who was a WWII veteran and the mother of five wild boys and a composed girl, used to tell me that the only thing that she really feared in life was losing her mental capacity. When I was a younger attorney, and my parents were younger, I prepared their estate plan, which was the typical plan designed for what happens when you die. When my parents got older and began to suffer the maladies of older people, I prepared a new estate plan for them, with a focus on not so much what would happen when they died, but on what would happen if they did not die, became ill and needed help with their care. My parents were adamant about having a plan that left something, especially their home, to their six children.

Estate planning and planning for mental capacity issues is very different for the older client. As a baby boomer, and after having helped take care of my aging parents, and after counseling many older clients and their families, my perspective as an estate planning attorney has changed over the years, and is now geared toward setting up a plan for the care of my clients, and protection of their assets, as well as planning for when they die.

Incapacity involves the inability of someone to make decisions regarding their personal and financial affairs. For many of our clients, diseases such as Parkinson’s and  Alzheimer’s have lead to mental incapacity. For other clients, there has been an event causing a brain injury leading to mental capacity. Many of our clients have dementia with no disease related diagnosis. Our recommendation is that anyone who is a baby boomer or older, should have an updated estate plan with an emphasis on asset protection and government benefits planning. You should also plan on how you or your fiduciary can get your ducks in a row to be able to protect your assets, such as your home, and obtain Medi-Cal to pay for your nursing home care, and the VA Aid and Attendance Pension Benefit to help pay the cost of in home care and assisted living facilities if needed.

You will need to decide who will be able to manage your financial affairs if you cannot. These individuals are usually trusted family members, but can also be friends. They can also be professional fiduciaries, who are licensed by California’s professional fiduciary bureau. You will also need to decide on who will make decisions for your regarding your health care, if you cannot do so. One issue to decide is whether you want to be on life support machines if you are in an irreversible condition and are only being kept alive by machines.

Michael J. Young, your elder law attorney in Walnut Creek, CA can help you design a plan to meet your needs as you get older. The plan will involve getting your ducks in a row for asset protection and government benefits planning. There are many options that your senior law attorney can help you with. Keep in mind that if you lose your mental capacity and what to protect assets by way of transferring your assets to your spouse or children, as is allowed under the regulations, you will not be able to do so if you have a traditional estate plan. In that case, we may have to go to court to amend your estate planning documents to provide for asset protection.

The information contained herein is not to be taken as legal advise, and you are advised to see your elder law attorney before attempting any planning or transfers of assets on your own. This article is written by elder law attorney Michael J. Young. Mr. Young, whose office is in Walnut Creek, CA is an elder law attorney, senior law attorney, Medi-Cal attorney and probate attorney whose office is in Walnut Creek, CA. Mr. Young is certified by the VA and is a member of the National Academy of Elder Law Attorneys (NAELA). For additional information, please visit our website at  www.WalnutCreekElderLaw.com LawYoung1@Gmail.com Our address is at 1931 San Miguel Dr., Suite 220, Walnut Creek, CA 94596. 925-256-0298. Mr. Young serves Contra Costa and Alameda Counties, including the cities of Alamo, Walnut Creek, Concord, Danville, Pleasant Hill, Brentwood, Antioch, Clayton, etc. Mr. Young advises clients regarding Medi-Cal, Probates, Probates with Real Estate, Medi-Cal, nursing home costs, asset protection, the VA Aid and attendance pension benefit, and long term care planning. Mr. Young is an Elder Law Attorney and Probate Attorney with offices in Walnut Creek, CA. Walnut Creek Elder Law Attorney, Walnut Creek Probate Attorney. Senior Law Attorney. Walnut Creek Medi-Cal attorney.

Mar
25
2013
0

Can The State Take My Home If I Die After Having Been On Medi-Cal?

One of the most frequently asked questions I receive as an elder law attorney in Walnut Creek, CA is, “Can the State of California take my home if I die after having been on Medi-Cal?”

 The state will not actually take your home. But your home, if it is in your estate when you die, can be subject to a claim by the state after your death for the amounts the state has paid for your care. This claim will be paid when your property is sold from your estate. The state can only recover for the amounts they have actually paid for your care. Presently the amount they can recover is $7,092 per month, minus the share of cost that you have contributed to a nursing home. This amount of course would be less than what you would have paid as a private pay patient in a nursing home.

 In order to establish your home as an exempt asset when you apply for Medi-Cal, you must confirm your intent to return home if you have entered a nursing home. There is a question on the Medi-Cal application which allows you to establish this intent.

 The state will not pursue a claim for reimbursement against a surviving spouse of a Medi-Cal recipient as long as she is still living in the property. When she dies, the state will pursue the claim against any assets she received from her spouse, including the home, if he was a Medi-Cal recipient. In addition, the state cannot pursue a claim against the home if the Medi-Cal recipient is survived by a minor, blind or disabled child.

 There are techniques allowed by the state for protection of the home from a claim after death. For instance, we can “transmute” or transfer the ill spouse’s interest in the home to the well spouse during his life, and reserve a life estate to the well spouse. We can also transfer the home from a single Medi-Cal recipient to his children, for instance, and reserve a life estate to the Medi-Cal applicant. Transfers such as these must be done correctly and pursuant to the regulations in order to avoid a state claim, and in order to avoid capital gains issues. Please be aware that there is no protection for the home if it is in the revocable living trust of the Medi-Cal recipient when he passes away. Asset protection planning must be accomplished while the Medi-Cal recipient has good mental capacity. Otherwise, we may have to go to court to correct the problem. Do not rely on the idea that your financial durable power of attorney and revocable living trust will allow you to make these transfers during mental incapacity. The estate planning documents require specialized language in order to do this, and most plans do not have the requisite language.

 Keep in mind that the state cannot make a claim against assets that are not in your estate when you die. You will need the help of your elder law attorney aka your asset protection attorney in order create a long term care and asset protection plan for you. 

 Written Michael J. Young, elder law attorney, Medi-Cal attorney, senior law attorney and probate attorney in Walnut Creek, CA and former in-house counsel for title insurance companies. Mr. Young is a Medi-Cal attorney and is VA Certified. He is a member of NAELA www.WalnutCreekElderLaw.com LawYoung1@Gmail.com 1931 San Miguel Dr., Suite 220, Walnut Creek, CA 94596. 925-256-0298. Mr. Young serves Contra Costa and Alameda Counties, including the cities of Walnut Creek, Alamo, Danville, Concord, Brentwood, Pleasant Hill, Antioch, Clayton, etc. Mr. Young advises clients regarding Probates, Probates with Real Estate, Medi-Cal, nursing homes, asset protection, the VA Aid and attendance pension benefit, and long term care planning. Mr. Young is an Elder Law Attorney and Probate Attorney with offices in Walnut Creek, CA. Walnut Creek Elder Law Attorney, Walnut Creek Probate Attorney. Senior Law Attorney

Mar
18
2013
0

Getting Your Ducks In A Row Before a Crisis Occurs

You should get your ducks in a row long before a crisis occurs, especially where your health and finances are concerned. Many of our clients come to see us when a crisis is occurring. For instance, their spouse or loved one is in the hospital or has just entered a skilled nursing facility. At this stage the planning is usually more difficult, and we may be facing memory issues of the ill person. It may also be more difficult to preserve the home as a legacy for the clients’ beneficiaries. The home is many times our clients’ largest asset.

As part of long term care planning, we plan how various stages of care will be paid for and determine what assets and resources are available. We proceed to get our ducks in a row to protect assets. We also line our ducks up for obtaining Medi-Cal to pay for the skilled nursing facility and the VA Aid & Attendance Pension Benefit to pay for in home care or an assisted living facility. Gifting and spending issues for Medi-Cal and VA are considered. The longer we have to do long term care planning, the easier it is for all concerned. In addition, your peace of mind can be assured earlier on. 

FAMILY DYNAMICS: When we are able to do pre-planning for our clients, we can better take into account issues concerning family dynamics. We need to know which family members are helping the ill person, and who can be relied upon when help is needed. We can offer suggestions for the well spouse for her care for the ill spouse when he comes home. We will be better able to find out if there is serious infighting and resentments among family members. When a crisis occurs, these dynamics become intensified.

LEGAL DOCUMENTS: Are the legal documents up to date? If they are, you are in a tiny minority. If you have not gone to an elder law attorney in the last several years, your documents are probably not up to date. There is specialized language that can be utilized for asset protection and for government benefits planning in the various documents. For instance, if we want to preserve the home and protect it from a Medi-Cal lien, and the ill person has severe memory issues, we may not be able to proceed to transfer the home to the well spouse or a child without going to court. Most revocable living trusts and financial durable powers of attorney do not contain this specialized asset protection language.

Pre-planning will also allow us to discuss any changes that may be needed in the trust, will, financial durable power of attorney and other estate planning documents. Family dynamics are always changing with the occurrence of deaths, divorces, children who are themselves in need of care, second marriages, etc.

Written Michael J. Young, elder law attorney, Medi-Cal attorney, senior law attorney and probate attorney in Walnut Creek, CA and former in-house counsel for title insurance companies. Mr. Young is a Medi-Cal attorney and is VA Certified.  www.WalnutCreekElderLaw.com LawYoung1@Gmail.com 1931 San Miguel Dr., Suite 220, Walnut Creek, CA 94596. 925-256-0298. Mr. Young serves Contra Costa and Alameda Counties, including the cities of Walnut Creek, Alamo, Danville, Concord, Brentwood, Pleasant Hill, Antioch, Clayton, etc. Mr. Young advises clients regarding Probates, Probates with Real Estate, Medi-Cal, nursing homes, asset protection, the VA Aid and attendance pension benefit, and long term care planning. Mr. Young is an Elder Law Attorney and Probate Attorney with offices in Walnut Creek, CA. Walnut Creek Elder Law Attorney, Walnut Creek Probate Attorney. Senior Law Attorney

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