The Long-Term Care Legal Survival Guide
What California Families Need to Know the Moment a Loved One Enters a Nursing Home
When a loved one enters a skilled nursing facility, families are asked to make financial and legal decisions they were never prepared for. The wrong move — even one made with good intentions — can block Medi-Cal benefits, trigger costly penalties, or put the family home at risk. This free guide explains what is actually at stake and what California families can still do about it.
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This Guide Is For You If…
- A parent or spouse has just entered — or is about to enter — a skilled nursing facility
- You are worried about how the family will pay for long-term care
- You have heard about Medi-Cal but are not sure how it works or whether your family qualifies
- You own a home and want to know whether it could be taken to pay for nursing home care
- A loved one entered a nursing home without a living trust or power of attorney
- You want to understand the legal options before taking any action
What the Guide Covers
- 1 The Cost of a Skilled Nursing Facility — The four ways to pay, what Medicare actually covers, and what Medi-Cal planning is.
- 2 Medi-Cal Qualification — The current asset limits, the July 1, 2027 reduction to $21,000 for one person and $31,000 for two people, the income rules for single and married applicants, and the name-on-the-check rule.
- 3 Estate Recovery — How the state can claim the family home after death, how SB 833 changed the law, and how trusts protect against recovery.
- 4 The Living Trust Estate Plan — Why it is the foundation of every Medi-Cal plan, what it must include, the Irrevocable Income Only Trust, and why giving assets to children is not the answer.
- 5 What If It Is Too Late to Get an Estate Plan? — Conservatorship, what can still be done, and why it is still worth the effort.
- 6 What Not To Do — And What To Do Instead — A plain-English worksheet showing the most common mistakes families make and the right move in each situation.
- 7 Your Next Step — How to reach Miller Home Protection Law for a consultation.
Get the Guide Now — It Is Free
Open the guide immediately. No account, email address, or waiting is required. Read it before making financial, property, nursing home, or Medi-Cal planning decisions.
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This guide is provided for general educational purposes only. It is not legal advice and does not create an attorney-client relationship. Every family's situation is different. Consult a qualified attorney for advice specific to your circumstances. This page may be considered attorney advertising. © 2026 Miller Home Protection Law.