Oregon Long Term Care Partnership Program

Oregon Long-Term Care Partnership Program state imageOregon’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. Oregon long-term┬ácare 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 an Oregon long-term┬ácare partnership policy pays out in benefits, a dollar of assets can be protected from Medicaid spend-down requirements.

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Effective Date

January 1, 2008

Does 1% Compound Qualify

No. Only for issue age 76 or over.

Inflation Requirement issue age 60 and under

Annual compound inflation of at least 3%

Inflation Requirement issue age 61 to 75


Inflation Requirement issue age 76 or over


What if Inflation Growth stops at age 76

It can qualify for the Partnership