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Contact The LTCpro® for more info on Partnership LTC!

Partnership LTC Insurance

Forty-four (44) states now have a Long-Term Care Partnership program in place. If you buy a Partnership-qualified LTC insurance policy and have a worst-case claim scenario where you use up all your LTC insurance benefits but still need care, you can receive guaranteed asset protection from your state's Medicaid spend-down requirements AND protect those assets from Medicaid estate recovery. 

The amount of Medicaid Partnership asset protection equals the total amount of benefits paid by your Partnership LTC insurance policy including benefit inflation increases.  (NY and IN Partnership LTC insurance may provide "unlimited" Medicaid asset protection.)

​Only "traditional" LTC insurance policies can be Partnership-certified and not all insurance companies participate.  
(Newer "linked-benefit" or "hybrid" LTC insurance plans do NOT offer Medicaid partnership asset protection.)

​Make sure your agent is "Partnership Certified".  Click here to learn more.

All Partnership states - except for California (CA) - are "reciprocal".  If you purchase a qualified Partnership LTC insurance policy and move to any other Partnership state (except to or from CA), your policy's benefits AND the Medicaid Partnership asset protection follow you to the new state.
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Partnership =

Private LTC Insurance 
+
Medicaid Asset Protection

Request more info
LTC Partnership States
Green = LTCI Partnership States
UPDATE: New Mexico is now an active LTC Partnership state!

Click on your state's name for more detailed information:

Illinois
Missouri
North Carolina 
Washington
Do you want a DEEP dive into the history and development
​of the Medicaid LTC Partnership program?  CLICK HERE!

Comfort Long Term Care is an independent brokerage agency
representing multiple qualified
​Partnership LTC insurance companies/policies

Request a Free LTC Insurance Quote
<Back to the TakeCare! Learning Center
Updated 9/30/2022
CLICK HERE to download the updated NAIC "Shopper’s Guide to LTC Insurance"
Comfort Long Term Care is an independent insurance brokerage agency specializing exclusively in LTC insurance. Agency owner, Bill Comfort, The LTCpro® is a LTC specialist celebrating 30+ years of experience since 1991! We are based in the Raleigh, Durham, Chapel Hill, North Carolina Triangle region, but we serve clients throughout NC and across the country. We also have an office in St. Louis, Missouri.
​Click here to learn more about us!
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The information on this website is for general informational and educational purposes only, and it is not intended to be a direct solicitation for the sale of any specific insurance company or policy form.  Not all policy types, options, or riders discussed in general terms on this site are available in every state.  Individual requests for specific company or policy information will be directed to a properly-licensed agent for the applicable state of residence.  For complete information about any specific coverage - including limitations and exclusions - refer to a company-specific illustration and Outline of Coverage.
  • TakeCare!
    • LTC Awareness
    • Hybrid LTC Insurance Info
    • Partnership LTC Insurance
    • Tax Guide
    • Claims
    • Glossary
  • LTC Rate Increases
  • News
  • About
    • Bill Comfort
    • Companies
    • Rinny
  • Contact