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California Partnership for Long-Term Care

California Partnership
for Long-Term Care



Currently There Are No California Partnership Policies For Sale
We will update this page if a company starts offering Partnership in CA.


Because, at least 70 percent of people over age 65 will require some long-term care services at some point in their lives. And, contrary to what many people believe, Medicare and health insurance do not pay for the long-term care services that most people need.

Planning is essential for you to be able to get the care you might need.

With the Deficit Reduction Act of 2005, the federal government sent a clear message to Americans — paying for long-term care is your responsibility.

In California, Medicaid is called Medi-Cal.

The Deficit Reduction Act made it more difficult to qualify for Medi-Cal (Medicaid) paid long-term care. It also expanded the Partnership Program to other states.

One change to California's law was the Medi-Cal "look back" period increased from 30 months to 60 months. This means you must liquidate assets 60 months before applying for Medi-Cal in order for that asset to be exempt.

The new law made it more difficult to qualify for Medi-Cal (Medicaid) paid long-term care. It also expanded the Partnership Program, which was started in the early 1990s in four states: California, New York, Indiana, and Connecticut.

The California Partnership for Long-Term Care Insurance Program is a collaboration or "partnership" among a state government, the private insurance companies selling long-term care insurance in that state, and state residents who buy long-term care Partnership policies.

Currently There Are No California Partnership Policies For Sale
We will update this page if a company starts offering Partnership in CA.

 

 

Long Term Care is a family affair.

The majority of caregivers are family members.