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In California, institutionalized spouse may keep only $2,000. I cannot really afford to buy long term care insurance. Does my retirement money (401K, IRA) count toward Medi-Cal Income and Resource Limits of $2000? What options do I have? Is it a good idea putting my money in a bank safety box? I am about 50 year old. Thank you.Even I am only 50, but should I do it when I reach about 60 year old. Thanks.