South Carolina Long-Term Care Partnership Program

South Carolina Long-Term Care Partnership Program state imageUnder the South Carolina Long-Term Care Partnership Program, individuals who purchase long-term care insurance policies (“Partnership Policies”) that meet certain requirements specified by the Deficit Reduction Act (DRA) can apply for Medicaid under special rules for determining financial eligibility and estate recoveries. These special rules generally allow the individual to protect assets equal to the insurance benefits received from a Partnership Policy so that such assets will not be taken into account in determining financial eligibility for Medicaid and will not subsequently be subject to Medicaid liens and recoveries.

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Effective Date
January 1, 2009
Does 1% Compound Qualify
No. Only for issue age 76 or over.
Inflation Requirement issue age 60 and under
Compound annual inflation protection at a rate not less than 3% or at a rate based on changes in the Consumer Price Index.
Inflation Requirement issue age 61 to 75
The policy must provide some level of inflation protection.
Inflation Requirement issue age 76 or over
The policy may, but is not required to, provide any inflation protection.
What if Inflation Growth stops at age 76
It can qualify for the Partnership