Minnesota Long Term Care Insurance Partnership Program

The Minnesota Long-Term Care Partnership is a public/private arrangement between long-term care insurers and Minnesota’s Medical Assistance (MA) program. It enables Minnesota residents who purchase certain types of long-term care insurance to keep more of their assets if they later need MA to help pay for their long-term care.

It is a unique program that combines certified private long-term care insurance policies and Medical Assistance (MA). Under the Minnesota Long Term Care Partnership, a person who buys and uses a Minnesota Long-Term Care Partnership policy to pay for their long-term care can protect their assets, if they later need to apply for MA to help pay for long-term care services.
Minnesotans who do not have a Minnesota Long-Term Care Partnership policy may qualify to have the state pay for their long-term care through the state?s MA program, but only if their income and assets are at or below the MA asset limit, which is a low dollar amount. This means they must first use their own income and assets to pay for their care before MA could begin paying. Once on MA, a person can keep only some of their income for personal needs and for supporting certain family members but must use the rest of their income to pay for their care.