Check with an eldercare attorney on questions of probate and capital gains. Business property might be excluded if it's used as a means of self-support. Household goods and personal effects are exempt. One car is exempt if used for the benefit of the applicant or if needed for medical reasons. Term life insurance is exempt.
Burial plots are exempt, as is burial insurance.
If it's an irrevocable burial fund, unlimited funds are exempt. If the IRA is in the spouse's name, the IRA is totally exempt. Annuities are exempt under certain conditions. Once you have been in a MediCal-certified facility for at least 30 days, you cannot be transferred or evicted simply because of a change from private pay to MediCal. Some attorneys who specialize in eldercare are listed in this directory .