Does my state have a long-term care partnership program?
Probably. The large majority of U.S. states have a Long-Term Care Partnership Program — only a handful do not. Because the list can change, confirm your state's status with your state insurance department or an independent agent.
Most likely, yes. The large majority of states run a Long-Term Care Partnership Program, and only a small number do not participate.
Two things worth checking for your specific state:
- Whether your state participates — confirm with your state Department of Insurance or a licensed agent, since the list can change.
- Reciprocity — many Partnership states honor the asset protection of policies bought in other participating states, but not all do, which matters if you might retire elsewhere.
Your state insurance department and SHIP (State Health Insurance Assistance Program) are the authoritative, free sources for your state's current rules.
General information only. This is educational and not insurance, legal, tax, or financial advice. Rules and products vary and change — confirm the specifics with a licensed professional.
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