Delaware Long Term Care Insurance Partnership Program

Delaware’s Long-term Care Partnership Program is a partnership program between Medicaid and private long-term care insurers designed to encourage individuals to purchase private long-term care insurance. Delaware long-term care partnership policies are tax qualified (a portion of premiums paid may be claimed as a tax deduction) under federal law; provide policyholders with inflation protection; and most importantly, provide dollar-for-dollar asset protection in the event the policyholder needs to apply for long-term care Medicaid assistance. For every dollar that a Delaware long-term care partnership policy pays out in benefits, a dollar of assets can be protected from Medicaid spend-down requirements.

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Effective Date
November 1, 2011
Does 1% Compound Qualify
No. Only for issue age 76 or over.
Inflation Requirement issue age 60 and under
Annual compounded inflation increases at a rate not less than 3% or at a rate based on changes in the consumer price index
Inflation Requirement issue age 61 to 75
Annual simple inflation increases at a rate not less than 3%
Inflation Requirement issue age 76 or over
Not required
What if Inflation Growth stops at age 76