Here are the same charts as were on previous pages with the addition of the Partnership information.

One of the numerous benefits of a partnership policy is that it allows you to keep an equal amount of money as you had in long term care insurance benefits and still qualify for Medicaid rather than having to spend-down your savings to meet Medicaid requirements (which now is $2,000).

For example if your long term care insurance benefits totalled $250,000 and you exausted the benefits, like everyone else you can keep $2000 in cash, plus because you had a Partnership policy you can keep an additional $250,000 and qualify for Medicaid benefits. Wouldn't your lifestyle be better with $252,000 than $2,000?

The Deficit Reduction Act (DRA 2006) allows any state to set up a Partnership program. See the map below for the states that have set up Partnership LTC programs. The four original Partnership states – California, Connecticut, Indiana, and New York – have slightly different requirements to qualify for the Partnership. Our quotes will include Partnership pricing where available.

In some states your policy is automatically a Partnership policy if it meets the state requirements. Contact us for more information.