New Hampshire Long-Term Care Partnership Program

New Hampshire long-term care partnership program state imageNew Hampshire’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. New Hampshire 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 New Hampshire 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
February 8, 2006
Does 1% Compound Qualify
Yes, for all ages.
Inflation Requirement issue age 60 and under
The policy or certificate shall provide compound annual inflation protection from the date of purchase until the person attains 61 years of age.
Inflation Requirement issue age 61 to 75
Shall provide an acceptable level of inflation protection until the person attains 76 years of age. Acceptable coverage shall include automatic annual inflation protection, either simple or compound, paid with either level or stepped premium.
Inflation Requirement issue age 76 or over
Inflation protection may be provided but is not required.
What if Inflation Growth stops at age 76
It can qualify for the Partnership