Non-Partnership States

AK, (DC), HI, MA, MS, UT, VT

States must amend their Medicaid laws to include the Partnership program.

District of Columbia is not a "state" and does not have Partnership.

Some states take longer to do this so policies sold in those states are still non-Partnership policies (as are group plans such as the Federal LTC plan, etc).

If you live in a non-Partnership state you can buy a policy now and replace it with a Partnership policy when they become available; or you can buy a policy now and later add coverage that will qualify it for Partnership; or you can wait.

What are your options if you live in a non-Partnership state?

Living in a non-Partnership state does not mean you are without options — it simply means that your long-term care insurance policy will not be linked to Medicaid asset protection in the same way as a Partnership policy. You can still purchase a traditional long-term care insurance policy that provides valuable financial protection.

Why plan now rather than wait? The Cost of Care Survey reports that long-term care costs rose across all care categories — assisted living jumped 10% and home care rose over 22% in a single year. Waiting for your state to adopt Partnership means potentially paying significantly higher premiums later, or worse, developing a health condition that makes you uninsurable.

The non-Partnership states — Alaska, Hawaii, Massachusetts, Mississippi, Utah, Vermont, and Washington D.C. — represent a small minority. The overwhelming majority of Americans live in Partnership states. If you are currently in a non-Partnership state but expect to retire or move to a Partnership state, purchasing a policy now and converting or replacing it later may be a viable strategy worth discussing with us.

Contact us to discuss your options.

The caveats to waiting are:

• Your health may change making you uninsurable.
• Companies increase rates for new applicants meaning the same benefits will cost more.

Partnership States

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