In order to qualify for Medi-Cal benefits for long-term care, an applicant must pass a two-prong test:

Assets and Income


To qualify for Medi-Cal nursing home benefits, a single applicant cannot have more than $2,000. in countable assets. A community spouse (married couples) may keep up to $117,240.00 in countable assets. However, Medi-Cal considers certain assets to be "exempt" from the above countable asset requirements.

What are non-exempt assets? Generally, "non-exempt" assets are assets that are readily available to you and therefore could be used to pay for your care. This includes property such as:

  • Cash
  • Checking and savings accounts
  • Certificates of deposits
  • Stocks and bonds
  • Mutual funds
  • Real property other than your home
  • Promissory notes

What are exempt assets?

The following property is generally exempt and therefore, not counted in determining Long Term Care Medi-Cal eligibility:

The home: totally excluded, if it is the principal residence. The applicant must state an intent to return to the home. Includes mobile home, houseboat, or an entire multi-unit dwelling as long as any portion serves as the principal residence of the applicant.