Long Term Care Insurance Partnership Programs

States which offer Long-Term Care Partnership policies have a public/private arrangement between long-term care insurers.

The California Partnership for Long-Term Care is an innovative program of the State of California, Department of Health Care Services in cooperation with a select number of private insurance companies. These companies have agreed to offer high quality policies that must meet stringent requirements set by the Partnership and the State of California.

These special policies are commonly called "Partnership policies". Partnership policies take the guesswork out of ensuring you purchased a quality policy. In addition to many other consumer protection features, Partnership policies offer the special benefit of Medi-Cal Asset Protection.

The "Partnership" plans help state residents plan for future long-term care needs without depleting all of their assets to pay for care. They are designed to encourage and reward state residents for planning ahead for future long-term care needs.

Only a Partnership approved policy can help pay for the care you may need and provide you with lifetime asset protection, so that even if you use all your policy benefits and need to apply for Medi-Cal or MediCaid benefits, you will not be forced to spend everything you have worked for on long-term care.

If you don't have long-term care insurance for yourself, your spouse or your loved ones, I urge you to meet with a long-term care specialist who can more completely describe the Partnership-approved policies and discuss which policy could best meet your needs.