North Carolina Long Term Care Partnership Program

North Carolina Long-Term Care Partnership Program state imageThe Long-Term Care Partnership is an innovative partnership between North Carolina Medicaid and private insurers of long-term care insurance policies. It is designed to assist North Carolinians in planning for their cost of long-term care needs while providing the consumer with the protection of some or all of their assets. If an LTCP policyholder’s long-term care needs extend beyond the period covered by their private policy, they can access Medicaid LTC benefits without meeting the usual asset ‘spend down’ rules. Only partnership policies provide Medicaid asset protection. A long-term care product must meet specific requirements to be considered a partnership policy. It must be a tax-qualified policy; contain specified inflation protection if sold to an individual under age 76; meet certain consumer protection requirements; and the insured must be a resident of the state when the coverage becomes effective. Partnership policies are available from participating insurance companies who are authorized by the North Carolina Department of Insurance to market and sell these policies.

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Effective Date
January 1, 2011
Does 1% Compound Qualify
Yes, but only for issue age 61 or over.
Inflation Requirement issue age 60 and under
Must provide compound annual inflation protection.
Inflation Requirement issue age 61 to 75
Must provide some level of inflation protection. This may include simple interest or compound inflation protection.
Inflation Requirement issue age 76 or over
Inflation protection may be offered but is not required.
What if Inflation Growth stops at age 76
It can qualify for the Partnership.