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.

Partnership =

Private LTC Insurance 
+
Medicaid Asset Protection
LTC Partnership States
Green = LTCI Partnership States

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

Updated 3/5/2021