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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Think You’re Covered? Think Again. What Medicare doesn’t pay for…


By merv,

  Filed under: Blog, Medi-Cal Benefits

Many people believe that Medicare covers nursing home stays. In fact Medicare’s coverage of nursing home care is quite limited. Medicare covers up to 100 days of “skilled nursing care” per illness.  But there are a number of requirements that must be met before the nursing home stay will be covered.  If you can’t afford the high cost of long term care insurance what will you do? Exhaust your savings? Sell your home? Where will your spouse live? What many people don’t understand is that the government doesn’t expect you to go broke to afford expensive nursing home care.  But they don’t make it easy to understand the rules either.  Read this article from the Center for Medicare Advocacy, Inc. : Nursing Home/Skilled Nursing Facility Services.   If you live in California, here is an article on our website that explains  Medi-Cal (Medicaid) Exemptions and Allowances.

What are the alternatives to nursing home care, do you need them, and how can you afford them?

Here is an evaluation form designed by California Advocates for Nursing Home Reform (CANHR)s to help you understand what type of care you might need. In California, Medi-Cal will only pay for skilled nursing.  There is a pilot program called PACE that is available in very limited areas of the state that can help pay the cost of in-home care  (See CANHR‘s  website for more information on what areas are covered by the PACE program.)  If you need some help, whether at home or possibly need to move to an assisted living center or board and care but don’t necessarily need skilled nursing, the costs can still be prohibitive.

If you or your spouse do not qualify for Medi-Cal because you have too many assets other than your home, or you simply don’t need that level of care, you may qualify for a Veteran’s benefit.  The Veterans Non-Service Connected Disability Pension (Aid & Attendance Benefit) is paid to wartime veterans or surviving spouses that meet certain income and net worth requirements, are over age 65 and need help with some activities of daily living or are permanently and totally disabled. The pension is based on the theory that the veterans served their country during a time of war and the country that they helped will now serve them by supplementing their income.

Do you or your parents qualify? Qualifying Vets & Spouses may receive up to $23,396 per year! Discover The VA’s Best Kept Secret…

Where: Attend a FREE INTERACTIVE WEBINAR on your computer

When: Tuesday Aug 30 or Thursday, Sept 1, 12:15 to 1:00 PM PDT

There will be a LIVE Q&A Session following!

See More Info at VA Aid & Attendance benefit and registration information.

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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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