What Are Long-Term Care Partnership Policies?
Long-term care partnership policies are just like traditional long-term care insurance, except there is one additional benefit:
A long-term care partnership policy can protect your assets from Medicaid, even if your policy runs out of benefits.
With a long-term care partnership policy, for every dollar your policy pays in claims, you can safeguard a dollar from Medicaid spend-down and Medicaid estate recovery.
LTC Partnership Policies – Trusted Answers
Long-term care partnership policies solve the problem of, “What if my long-term care policy runs out of benefits?”
These policies can protect your assets if your policy runs out of benefits.
Long-term care partnership policies provide a clear answer to the common query, “What’s the right amount of long-term care insurance for me?”
You only need to buy an amount of benefit comparable to the assets you want to protect.
Long-Term Care Partnership Policies – An Affordable Solution
Long-term care partnership policies are perfect for the middle class. There’s no need to buy a super-expensive policy. There’s no need to overpay for coverage. Those squarely in the middle class only need to purchase an amount of long-term care insurance equal to the amount of assets they want to protect from Medicaid.
You can buy more benefits at a higher premium to protect more assets, or you can buy fewer benefits at a lower premium if you have fewer assets. These programs are an equitable and affordable solution for middle-class people who want to plan for long-term care.
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