Hello and welcome. Thank you for providing an opportunity to assist you.
YES -- Medi cal can recover from the life estate even with the value of less than 80,000. It may not take away the home, per se, but it can certainly put a claim / lien on the house estate to be recovered after the death.
For example, your home may be an exempt asset while you are alive, and not counted for Medi-Cal eligibility purposes. However, if the home is still in your name when you die, the State can make a claim against your estate for the amount of the Medi-Cal benefits paid or the value of the estate, whichever is less. Thus, if your home or any part of it is still in your name when you die, it is part of your "estate" and can be subject to an estate claim UNLESS there is an exempt survivor, e.g. a spouse or a minor or a disabled child.
I am sure this would help.
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