Rhode Island Long Term Care Insurance Partnership Program

Rhode Island Long-term Care Insurance Partnership Program state imageSome long-term care insurance policies sold in Rhode Island may qualify for the Rhode Island Long-Term Care Insurance Partnership Program (the Partnership Program). The Partnership Program is a partnership between state government and private insurance companies to assist individuals in planning their long-term care needs. Insurance companies voluntarily agree to participate in the Partnership Program by offering long-term care insurance coverage that meets certain State and Federal requirements. Long-term care insurance policies that qualify as Partnership Policies may protect the policyholder’s assets through a feature known as “Asset Disregard” under Rhode Island ‘s Medicaid program.

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Effective Date
June 10, 2008
Does 1% Compound Qualify
Yes, but only for issue age 61 or over.
Inflation Requirement issue age 60 and under
Automatic annual compounded inflation increases at a rate not less than than three percent (3%) compound annual inflation protection; or a rate based on changes in the consumer price index.
Inflation Requirement issue age 61 to 75
Some level of inflation protection.
Inflation Requirement issue age 76 or over
The policy may, but is not required to, provide some level of inflation protection.
What if Inflation Growth stops at age 76
It can qualify for the Partnership.