"In 2025, California's Medi-Cal program continues to evolve, but major updates effective January 1, 2026, reinstate asset limits at $130,000 per person and $195,000 per couple for non-MAGI programs, making it essential to review and update plans now to avoid eligibility issues. Early action helps navigate rising care costs and ensures chosen families are recognized, addressing unique challenges like discrimination in care or lack of traditional family support."
"As LGBTQ+ community members in the San Francisco Bay Area age, thoughtful elder care planning becomes key to maintaining independence, dignity, and connection. This involves legal tools like advance directives, wills, and trusts to protect assets, honor personal wishes, and integrate with supportive resources. Elder Care Planning and Why It Matters Elder care planning combines health, social, and legal strategies. It helps tackle biases against non-traditional families through documents that designate trusted decision-makers and protect assets from long-term care expenses."
"The Bay Area offers various supportive options that can complement professional legal planning. For instance, programs like those from the Institute on Aging (IOA) or On Lok can be coordinated with legal strategies to enhance overall care. (Read more about On Lok in this issue of the San Francisco Bay Times.) Example: Many Bay Area clients use revocable trusts to safeguard homes while aligning with in-home care services."
Elder care planning for LGBTQ+ individuals in the San Francisco Bay Area combines legal, health, and social strategies to maintain independence, dignity, and connection. Legal tools include advance directives, powers of attorney, wills, revocable and irrevocable trusts to protect assets and ensure chosen decision-makers act on incapacitation. California Medi-Cal non-MAGI asset limits will be reinstated January 1, 2026 at $130,000 per person and $195,000 per couple, making early plan review essential to preserve eligibility. Coordination with local programs such as the Institute on Aging and On Lok can complement legal strategies and support in-home and community care.
Read at San Francisco Bay Times
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