Online resource center to help you explore these key issues, and others, regarding your estate.

Practice Areas

Mr. Miller has many years of experience in designing and implementing a comprehensive variety of Trusts, Wills, and other estate planning documents, as well as settling estates in the most expedient and appropriate method. Further, he counsels and assists clients on becoming eligible for VA benefits and Medi-Cal.

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VA Pension/Aid & Attendance/Medi-Cal

Mr. Miller has been active in the area of VA Pension and Medi-Cal for well over a decade. He uses various specialized types of Trusts as well as non-trust strategies to gain eligibility for his clients and save the family money.

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Probate & Estate Administration

Mr. Miller has been settling estates (both simple and complex) for well over 40 years. The starting point is always to create a strategy to settle the estate in the most efficient manner possible with a minimum of taxes. Often times the strategy created allows the family to bypass Probate Court proceedings.

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How Are You Balancing Long-Term Care Planning with All Your Other Financial Priorities?


By merv,

  Filed under: Blog, Elder Law

Not many folks understand the Healthcare Reform Act.  Fewer still know that it has a long term care (LTC) provision called the CLASS Act. CLASS stands for “Community Living
Assistance Services and Supports.  The law specifies that it is “a national voluntary insurance program”.  The key word in the law is that it is “voluntary”.  The law sets premiums at $5 per month for those below the official poverty line and for students.  For others, the level of premiums are set to insure payments to plan participants without any subsidy from the government.  The Secretary of Health and Human Services is expected to set benefits by October 2012, and then to begin enrolling workers.  Benefits will depend on a person’s degree of impairment, but can’t average less than $50 per day.  That’s $1500 per month.  At current rates in California, 24 hour in-home care averages $7500 per month.

In last month’s New York Times “Your Money” column, Ron Lieber examined
the Class Act and Ron’s comments section provides a lively discussion of what this legislation could mean to you.

Bottom Line, LTC insurance, is like every other type of insurance: you hope you never need it and the money you paid was not just wasted.  But if you do need it, it will have been one of the greatest purchases you ever made! The truth is, no matter how much LTC insurance you buy, it may not be enough.  That is why pre-planning for Medicaid or other public benefits is so important.  Here’s an article of mine that examines the topic from that perspective.

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About Living Trusts

About Living Trusts is hosted by the Law Offices of Merwyn J. Miller, as your online resource center to help you explore these key issues, and others, regarding your estate.

Merwyn J. Miller, J.D.

  • Board Certified Specialist in Estate Planning, Trust & Probate Law
  • Co-Author of legal text book and of “Don’t Go Broke in a Nursing Home
  • Teacher of law courses at public and private colleges
  • Continuing Education Instructor for attorneys
  • Columnist for largest regional newspaper in San Diego County and professional journals for 15 years, Contributing author to the book “In Your Service: The Veteran’s Friend”
  • Masters Degree in Financial Services - Estate Planning
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