Mom is 91 and has been in a SNF for over 3 years following a stroke, Medi-Cal eligible after her first few months. She has little assets and no income except her small social security, most of which is used for her Share of Cost at the SNF. Her brother passed away and she just received a check for $25k. I am holding it until I can understand the best way to handle it and protect her benefits.
While reviewing I noted that CA asset limit, which has been generous for many years, is now $130,000 but that's only until June 30 next year, when it will drop off a cliff to $21,000. Much more to learn!
"California reinstated an asset test for long-term-care Medi-Cal on January 1, 2026, after having eliminated it in 2024–25. However, the current limit through June 30, 2027 is $130,000 in countable assets for a single person. Cash and money in bank accounts count toward that limit.
So, assuming the Mom truly has very few other countable assets, a $25,000 inheritance by itself would leave her well below the current $130,000 limit.
Report the inheritance to her county Medi-Cal office and ask them how they want it documented. You want a clear paper trail showing that it went directly into your Mom's checking or savings."