Long Term Care Partnerships

At Issue

NAHU has sought the expansion of long-term care policies through public-private partnerships for several years. Currently, residents in NY, IN, CT and CA have the ability to purchase private long-term care policies, and when the policies' benefits run out, they can go onto Medicaid without spending down all of their personal assets. As a result of the Deficit Reduction Act of 2005 which was signed by President Bush on February 8, 2006 (P.L. 109-171), the 46 remaining states will now be able to implement LTC partnership programs of their own. NAHU is pleased to have played an active role in the passage of this bill.

Partnership Implementation

Implementation of LTC partnerships will not, in most cases, require state legislative action. Most or all states are expected to file a state plan amendment with the Department of Health and Human Services for approval of their programs.

Partnership Summary

Expansion of State Long-Term Care Partnership Program Statutory Requirements

NAHU Resources

NAHU Action Plan

LTC Partnership Training Requirements and Materials

Please note that agent training for the four existing programs is unlikely to change, but training requirements under the new partnership will be unlike those in the current states. NAHU and AHIP are working together to produce a meaningful program for agents/brokers selling partnership policies. The program will be web-based.

Recent Legislative Action

Additional Resources

To discover more about LTC partnerships, and the specific types of coverage offered in your state, please click here.

• California
• Connecticut
• Indiana
• New York

For more information, please contact John Greene, senior director of Congressional affairs.

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