How to Reduce Medicare Surcharges When Your Income Changes

Q.  My wife and I are being charged extra for Medicare Part B and prescription drug coverage premiums, apparently based upon our higher income in years past. Beginning last year, our income dropped significantly. Is there way to get the surcharges removed? A.  Yes, if you can link the reduction in income to a “life… Read More »

New Protections For Widowed Homeowners Facing Foreclosure

Q.  I hear there is a new law which protects widows from losing their homes in foreclosure when a spouse dies. Do you know anything about that? A.   Yes. I believe you refer to the “Survivor Bill Of Rights” (SB 1150), effective January 1, 2017.  SB 1150 now imposes certain responsibilities upon a mortgage… Read More »

New Law: Medi-Cal To Dramatically Scale Back Estate Recovery

Q.  My husband receives a Medi-Cal subsidy to help with his nursing home expense, and I have long worried about protecting our home from a later Medi-Cal “payback” claim. I heard there might be some changes coming.  Do you know anything about this? A. Yes, indeed, there are big changes coming! Gov. Jerry Brown just signed… Read More »

Is Medi-Cal Planning Legal?

Q.  My wife is being cared for in a nursing home and the cost is running about $9,000 per month. I see our life savings and financial security dwindling rapidly, and I am concerned about my own financial future.  I was thinking about taking steps to qualify her for a Medi-Cal subsidy, but I wonder… Read More »