Texas Long-Term Care Partnership Program

Texas Long-Term Care Partnership Program state imageTexas’ 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. Texas 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 Texas long-term care partnership policy pays out in benefits, a dollar of assets can be protected from Medicaid spend-down requirements.

Texas Long-Term Care Partnership-qualified policies provide some benefits, features, and consumer protections that are not available with other long-term care policies. These additional features offer even greater protection of your financial resources, such as your home and savings. Only agents who have completed the training required by the Texas Department of Insurance may sell Partnership-qualified policies.

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Effective Date
March 1, 2008
Does 1% Compound Qualify
No. Only for issue age 76 or over.
Inflation Requirement issue age 60 and under
You must purchase and retain some level of compound annual inflation protection. Insurance companies must offer you 5% compound annual inflation protection, but you can choose to purchase at a lower rate.
Inflation Requirement issue age 61 to 75
You must purchase and retain some form of inflation protection, either compound or some other form, until you reach age 76.
Inflation Requirement issue age 76 or over
Insurers must offer inflation protection, but you don?t have to purchase or retain it.
What if Inflation Growth stops at age 76
It does NOT qualify.