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Estate Planning: The return of Medi-Cal gifting provisions

Dennis Fordham. Courtesy photo.
With the restoration of the Medi-Cal eligibility asset test on Jan. 1, 2026 (back to where it existed in July 2022), some people may want to consider whether to include specific gifting provisions in their power of attorney and in their living trust for Medi-Cal eligibility purposes.

Such provisions authorize the person’s trustee or agent under the power of attorney to gift assets subject to their control in order to allow the person’s remaining assets to be within the asset limits for Medi-Cal eligibility, as relevant to either the community based or the long term care Medi-Cal programs (excluding Medi-Cal under the Affordable Care Act).

On Jan. 1, 2026, a single person can have up to $130,000 in available, countable non exempt assets. This threshold does not include exempt assets, such as, the home, the car, the retirement account. A married couple can have an additional $65,000 in non exempt assets and be eligible for Community Based Medi-Cal. With long term care Medi-Cal, the stay at home spouse can have almost $160,000 in his or her own countable assets in addition to the institutionalized spouse’s $130,000.

Achieving the foregoing results often requires gifting by the Medi-Cal applicant to his or her spouse or children. Such gifting may not be possible if the applicant does not have capacity to make gifts due, such as to dementia. People, therefore, may want to include gifting provisions inside of their estate planning documents (trust and power of attorney) so that such gifts can be made on their behalf when the time comes.

Gifting is more complicated when the person is seeking eligibility for long term Medi-Cal for residential care at a skilled nursing home. California still has a thirty (30) month look back period prior to applying for Medi-Cal.

Any gifts of non-exempt assets in such a look back period carry a Medi-Cal ineligibility transfer penalty that is computed based on the size of the gift. Such ineligibility period commences as of the transfer date and may cause the applicant to not be eligible for long term care Medi-Cal.

Fortunately, such ineligibility transfer penalties can often be avoided with appropriate gifting techniques. Again, if the applicant does not have the capacity to make gifts then it is very important that the applicant’s estate planning include such gifting authorization.

Typically, the gifting is to the applicant’s spouse or else to their children. Also, the person with the authorization is typically also a beneficiary of such gifting. For such gifting to be valid it is important that the authorization waives the legal conflict of interest created by a person with representative authority making a gift of assets to themselves. Otherwise, such gifting could be determined to be criminally abusive as it violates the duty of self dealing that prohibits an agent or a trustee from gifting the person’s assets to themselves, at least during the person’s lifetime.

Otherwise, the person’s family may have to petition the court for a gift of assets to the well spouse. Gifting to children, without such legal authority, is more complicated as it involves a conservatorship and a substituted judgment petition to authorize the gift.

The foregoing is not legal advice. Anyone confronting the Medi-Cal issues discussed above should consult an attorney for guidance.

Dennis A. Fordham, attorney, is a State Bar-Certified Specialist in estate planning, probate and trust law. His office is at 870 S. Main St., Lakeport, Calif. He can be reached at This email address is being protected from spambots. You need JavaScript enabled to view it. and 707-263-3235.

Space News: How are dark matter and antimatter different?

Spiral galaxies, like Messier 77 shown here, helped astronomers learn about the existence of dark matter. NASA, ESA & A. van der Hoeven, CC BY

Curious Kids is a series for children of all ages. If you have a question you’d like an expert to answer, send it to This email address is being protected from spambots. You need JavaScript enabled to view it..


What is dark matter and what is antimatter? Are they the same or different? – Namrata, age 13, Ghaziabad, India


Imagine an epic video game with your favorite hero as a character. Another character is a mirror-image twin who shows up occasionally, exploding everything they touch. And, to add an extra level of difficulty, the game includes a mysterious hive of minions hiding at every corner, changing the rules of the game, but never showing themselves.

If you think of these characters as types of matter, this video game is basically how our universe works.

The hero is regular matter, which is everything we can see around us. Antimatter is the mirror-image explosive twin that scientists understand well but can barely find. And dark matter is the invisible minions. It is everywhere, but we cannot see it, and scientists have no idea what it is.

Despite having similar-sounding names, dark matter and antimatter aare completely different. Interestingly, physicists like me know exactly what antimatter is, but there is almost none of it around. On the other hand, we have no idea what dark matter is, but there is a lot of it everywhere.

Antimatter: The mirror-image twin

All the regular matter around you is made of basic building blocks called atoms. Atoms have positively charged particles called protons surrounded by tiny negatively charged electrons.

Think of antimatter as regular matter’s oppositely charged twin.

All particles, like protons and the electrons, have antimatter siblings. Electrons have positrons, which are anti-electrons, while protons have antiprotons. Antiprotons and positrons make up antimatter atoms, or anti-atoms. They’re like mirror images, but with their electric charges flipped. When matter and antimatter meet, they destroy each other in a flash of light and energy and vanish.

Luckily, antimatter is very rare in our universe. But some special regular matter atoms, such as potassium, can decay to produce antimatter. For example, when you eat a banana, or any food rich in potassium, you are eating tiny amounts of these antimatter-producing atoms. The amount is too small to affect your health.

Antimatter was discovered almost 100 years ago. Today, scientists can create, store and study antimatter in the laboratory. They understand its properties very well. Doctors even use it for PET scans. They inject tiny amounts of antimatter-producing atoms into your body, and as these atoms travel through your body, the scan takes pictures of the flashes of light from the annihilation of the antimatter and regular matter in your body. This process lets doctors see what is happening inside your body.

Scientists have also figured out that when the universe was born, there were almost equal amounts of matter and antimatter. They met and annihilated each other. Fortunately, just a tiny bit more regular matter survived to make stars, planets and all of us.

If matter and antimatter annihilate each other when they touch, and there were once equal amounts of each, how is it possible that there is now so much more matter than antimatter in the universe?

Dark matter: The invisible minions

Dark matter is far more mysterious. Have you ever spun very fast on a merry-go-round? If so, you know how hard it is to stay on it without getting thrown off, especially if you’re the only one on the merry-go-round.

Now imagine there are a bunch of invisible minions on that merry-go-round with you. You can’t see them and you can’t touch them, but they hold you and keep you from flying off as it spins super-fast. You know they’re there because the merry-go-round is heavier than it looks, and it is harder to push and get it spinning. The invisible minions don’t play or talk to anybody; they just hang around, adding their weight to everything.

About 50 years ago, astronomer Vera Rubin discovered a similar mystery in spiral galaxies. She looked at spinning galaxies, which are like cosmic merry-go-rounds, and noticed something strange: The outer stars in these galaxies were spinning much faster than they should. They should have gone flying off into space like sparks from a firework display. But they did not.

It was like watching kids on a merry-go-round move at incredible speed but somehow stay perfectly in place.

A woman adjusting a large piece of equipment.
The astronomer Vera Rubin discovered a strong mismatch in spiral galaxies that scientists now understand as dark matter. Carnegie Institution for Science, CC BY

The only explanation? There must be a sea of invisible “stuff” holding everything together with their extra gravity. Scientists called this mystery material “dark matter.”

Since then, astronomers have observed similar strange behavior happening throughout the universe. Galaxies within large clusters move in unexpected ways. Light gets bent around galaxies more than it should be. Galaxies stick together far more than the visible matter alone can explain.

It is as if our cosmic playground has swings moving by themselves, and seesaws tipping with nobody visible sitting on them.

Dark matter is just a placeholder name until scientists figure out what it is. For the past 50 years, many scientists have been running experiments that are trying to detect dark matter or produce it in the lab. But so far, they have come up empty-handed.

We don’t know what dark matter is, but it’s everywhere. It could be unusual particles scientists have not discovered yet. It could be something completely unexpected. But astronomers can tell by observing how fast galaxies rotate that there is about five times more dark matter than all the regular matter in the entire universe.


Hello, curious kids! Do you have a question you’d like an expert to answer? Ask an adult to send your question to This email address is being protected from spambots. You need JavaScript enabled to view it.. Please tell us your name, age and the city where you live.

And since curiosity has no age limit – adults, let us know what you’re wondering, too. We won’t be able to answer every question, but we will do our best.The Conversation

Dipangkar Dutta, Professor of Nuclear Physics, Mississippi State University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

Rain gives boost to lake level; conditions set to clear into next week

LAKE COUNTY, Calif. — After the first week of winter saw a steady amount of rainfall in Lake County, the forecast for the last days of 2025 calls for clearer conditions.

On Friday, the National Weather Service’s flood watch and wind advisory for Lake County will end.

After several days and more than half a dozen inches of rain, Clear Lake’s level has risen by about 1 foot Rumsey, the special measure for the lake, according to the United States Geological Survey.

The lake’s early Friday level, at just under 4 feet Rumsey, puts Clear Lake’s depth at well above the historical average, according to Lake County Water Resources data.

While concerns about further flooding appear to be reduced for now, the potential for showers will continue through Saturday, at which point sunny and clear conditions are expected to return.

Chances for showers are again forecast on New Year’s Eve and New Year’s Day.

Temperatures are expected to be in the high 40s during the day and high 30s at night through the weekend, rising to daytime temperatures into the low 50s and low 40s at night into the middle of next week.

Email Elizabeth Larson at This email address is being protected from spambots. You need JavaScript enabled to view it.. Follow her on Twitter, @ERLarson, and on Bluesky, @erlarson.bsky.social. Find Lake County News on the following platforms: Facebook, @LakeCoNews; X, @LakeCoNews; Threads, @lakeconews, and on Bluesky, @lakeconews.bsky.social. 

Clearlake Police seek missing man

Ryan Lilly. Courtesy photo.


UPDATE: The Clearlake Police Department reported late Saturday, Dec. 27, that Ryan Lilly has been located.

CLEARLAKE, Calif. — The Clearlake Police Department is asking for the community’s help in locating a missing man.

They are seeking Ryan Joseph Lilly, 42.

He is described as a white male adult, standing 6 feet, 1 inch tall, and weighing 200 pounds. He is bald with a goatee and brown eyes. 

Lilly was last seen on Dec. 16. At that time he was wearing a brown hoodie, police said.

 If you have any information about his whereabouts please contact the Clearlake Police Department at 707-994-8251, Extension 1.

Clearlake Animal Control: ‘Banjo’ and the dogs

“Banjo.” Photo courtesy of Clearlake Animal Control.


CLEARLAKE, Calif. — Clearlake Animal Control this week has puppies amongst the dogs available to new homes.

The shelter has 60 adoptable dogs listed on its website.

This week’s dogs include “Banjo,” a 3-month-old mixed breed puppy with a short gray coat.

The shelter is located at 6820 Old Highway 53. It’s open from 9 a.m. to 6 p.m. Tuesday through Saturday. 

For more information, call the shelter at 707-762-6227, email This email address is being protected from spambots. You need JavaScript enabled to view it. or visit Clearlake’s adoptable dogs here.

This week’s adoptable dogs are featured below.

Email Elizabeth Larson at This email address is being protected from spambots. You need JavaScript enabled to view it.. Follow her on Twitter, @ERLarson, and on Bluesky, @erlarson.bsky.social. Find Lake County News on the following platforms: Facebook, @LakeCoNews; X, @LakeCoNews; Threads, @lakeconews, and on Bluesky, @lakeconews.bsky.social. 

America’s teachers are being priced out of their communities − these cities are building subsidized housing to lure them back

Developers of Wendy’s Village, an affordable housing complex planned for teachers in Colorado Springs, Colo., completed their first homes in July 2025. This email address is being protected from spambots. You need JavaScript enabled to view it.

For much of the 20th century, teaching was a stable, middle-class job in the U.S. Now it’s becoming a lot harder to survive on a teacher’s salary: Wages have been stagnant for decades, according to a study from the Economic Policy Institute, and teachers earn 5% less than they did a decade ago when adjusting for inflation.

That’s one reason why there’s a widespread teacher shortage, with tens of thousands of positions going unfilled. At the same time, according to a 2022 report from the Annenberg Institute at Brown University, there are more than 160,000 underqualified teachers in the classroom, meaning they don’t meet full certification or credentialing standards.

This issue has become particularly acute as housing costs have risen sharply across the country over the past decade. Why become a teacher if it means you’ll struggle to put a roof over your head?

In response, many states and cities, from California to Cincinnati, are exploring ways to attract and retain teachers by developing education workforce housing – affordable housing built specifically for public school teachers and staff to make it easier for them to live near where they work. In doing so, they seek to address aspects of both the teacher shortage and housing crisis.

Fertile land for housing

As professors of architecture and education and as directors of an urban teaching program at Miami University in Ohio, we work to make it easier for students to pursue teaching careers – and that includes addressing affordable housing issues in communities where they work.

A key element of this work involves collaborating with local education agencies to either build, subsidize or find housing for teachers.

Local education agencies are tasked with the administrative functions of a school district, and they often own large tracts of land.

This land can be used to build new school buildings or community health clinics. But it can also be used to build housing – a particularly attractive option in cities where land can be scarce and expensive.

California has been at the forefront of these efforts. The state’s school districts own more than 75,000 acres of potentially developable land. Meanwhile, more than one-third of the state’s public school employees are rent-burdened, meaning they spend more than 30% of their income on housing costs.

California’s Teacher Housing Act of 2016 set up a framework for local education agencies to build and develop housing on their land. Since then, education workforce housing complexes have been developed across the state, ranging from San Francisco’s Shirley Chisolm Village to 705 Serramonte in Daly City, California.

The San Francisco Unified School District celebrated the opening of Shirley Chisolm Village, the city’s first educator housing development, in September 2025.

The nuts and bolts of education workforce housing vary.

It can be financed by traditional sources, such as private philanthropy and government funds. But it can also be funded through financial tools such as certificates of participation, which allow outside investors to provide funding up front and later receive a return on their investment through rental income.

In some cases, teachers are offered reduced rents for just a few years as they start their careers. In others, they’re given the opportunity to purchase their home.

Third party management companies often oversee the projects, since local education agencies usually aren’t interested in property management. This also reduces the potential for any direct disputes between employer and employee. Many programs require only that residents be employees of the school district when they enter the program, meaning if someone leaves their job, they will not be displaced.

In April 2025, UCLA’s CITYLab and the Center for Cities and Schools published a study highlighting some of the benefits and challenges of nine educator workforce housing projects built in California.

The complexes ranged in size, from 18 to 141 dwelling units, with heights that ranged from two to six stories. The researchers found that tenants were largely satisfied with their living situations: They paid rents at far below market rate, and they praised the apartment design. They also highlighted their shorter commutes.

From tiny homes to factory conversions

Since 2020, educator housing has been proposed or developed in Arkansas, Colorado, Florida, Nevada and South Carolina.

In Fort Stockton, a small, rural town in West Texas, the school district bought a motel in 2022 and converted it into teacher housing. In Arizona, the Chino Valley Unified School District built tiny homes for its teachers in 2023, renting them at US$550 per month.

The Chino Valley Unified School District built tiny homes for its workers in 2023.

In Baltimore, more than 775 teachers have recently been housed thanks to initiatives such as the Union Mill project, an 86,000-square-foot historic building converted into teacher apartments that range in price from $700 to $1200 per month.

Teacher housing does more than give educators an affordable place to live. It can forge lasting relationships. A recent assessment of teacher housing in Los Angeles found that the community spaces and programs offered on site strengthened bonds among the residents, leading to friendships and working relationships that lasted for years.

A spacious living space featuring a billiards table, chairs, tables and a large, built-in bookcase filled with books.
A community room in Norwood Learning Village, a 29-unit affordable housing development for Los Angeles Unified School District employees. © Alexander Vertikoff for Thomas Saffron and Associates and Norwood Learning Village

Building community in and out of the classroom

Here in Cincinnati, our own graduates now working in schools also benefit from affordable housing options.

Through a partnership between Miami University and St. Francis Seraph, early career teachers from our TEACh and Urban Cohort programs have access to affordable housing.

In 2024, the Archdiocese of Cincinnati converted an old church property in Cincinnati’s Over-the-Rhine neighborhood into teacher apartments, which recent graduates can rent at a reduced rate. Most young teachers otherwise wouldn’t be able to afford living in this area.

A group of people smile as two women cut a red ribbon.
In 2024, the Archdiocese of Cincinnati collaborated with Miami University to convert the St. Francis Seraph Church building in the city’s Over-the-Rhine neighborhood into affordable housing for recent teaching graduates. Photo: Je'Von Calhoun, CC BY-SA

“I wouldn’t be able to spend my beginning years as an educator in the community without access to affordable housing,” Nicholas Detzel, a graduate teacher now living in the converted space, told us in an interview.

“Living in the community has been an amazing experience and helps you know your students on a completely different level,” he added. “It has also helped me relate to students about knowing what is going on in our community.”

Teachers like Detzel who live in Over-the-Rhine can walk or take public transportation to the local schools where they work.

Perhaps more importantly, they can better understand the world of their students. They can learn the streets that students avoid, the parks and community spaces that become popular after-school hangouts, and what community organizations offer summer programming. Ultimately, teachers grounded in the life of the community can build relationships outside of the walls of school that contribute to more trust in the classroom.

Providing affordable housing for teachers and staff also helps retention rates, particularly as many younger teachers leave the profession due to low pay and burnout.

Teacher housing programs are still in their infancy. There are roughly 3.2 million public school teachers nationwide, and there are probably fewer than 100 of these developments completed or in progress.

Yet more and more districts are expressing interest, because they help alleviate two major concerns affecting so many American communities: affordable housing and a quality education.

While the need for affordable housing spans both lower- and middle-class families, teachers or not, forging alliances between schools and affordable housing providers can serve as one path forward – and possibly serve as a model for other trades and professions.The Conversation

Jeff Kruth, Assistant Professor of Architecture, Miami University and Tammy Schwartz, Director of the Urban Cohort, Miami University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

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Community

  • Sheriff’s Activities League and Clearlake Bassmasters offer youth fishing clinic

  • City Nature Challenge takes place April 24 to 27

Public Safety

  • Lakeport Police logs: Wednesday, Feb. 11

  • Lakeport Police logs: Tuesday, Feb. 10

Education

  • Ramos measure requiring school officer training in use of anti-opioid drug moves forward

  • Lake County Chapter of CWA announces annual scholarships 

Health

  • California ranks 24th in America’s Health Rankings Annual Report from United Health Foundation

  • Healthy blood donors especially vital during active flu season

Business

  • Employment law summit takes place March 9

  • Two Lake County Mediacom employees earn company’s top service awards

Obituaries

  • Terry Knight

  • Ellen Thomas

Opinion & Letters

  • Who should pay for AI’s power? Not California ratepayers

  • Crandell: Supporting nephew for reelection in supervisorial race

Veterans

  • State honors fallen chief warrant officer killed in conflict in Iran

  • CalVet and CSU Long Beach team up to improve data collection related to veteran suicides

Recreation

  • April Audubon program will show how volunteers can help monitor local osprey nests

  • First guided nature walk of spring at Anderson Marsh State Historic Park April 11

  • Second Saturday guided nature walks continue at Anderson Marsh State Historic Park

  • Wet weather trail closure in effect on Upper Lake Ranger District

Religion

  • Kelseyville Presbyterian Church plans Easter service

  • Easter ‘Sonrise’ Service returns to Xabatin Community Park

Arts & Life

  • ‘CIA’ delves into the shadowy world of an espionage thriller

  • ‘War Machine’ shifts the battlefield into uncharted territory

Government & Politics

  • Lake County Democratic Central Committee endorses Falkenberg

  • Crandell launches reelection campaign plans March 15 event

Legals

  • April 23 hearing on Lake Coco Farms Major Use Permit

  • NOTICE OF 30-DAY PUBLIC COMMENT PERIOD & NOTICE OF PUBLIC HEARING

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