Have a low-income client who is an heir on the receiving end of the estate of a deceased Medi-Cal beneficiary, but the estate is subject to repayment for the deceased person’s Medi-Cal costs? That client, my friend, may qualify for a “substantial hardship” waiver of repayment due from the estate because of the surviving heir’s own financial hardship. How so? Read all about it in the new CDHS emergency regulation (see, generally, 22 C.C.R. Â§ 50963. (The emergency reg is open for comment through May 27, 2005). To make it even easier, download a copy of the hardship waiver form itself.