Washington Long-Term Care Partnership Program

Washington Long-Term Care Partnership Program state imageWashington’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. Washington 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 Washington long-term care 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, 2012

Does 1% Compound Qualify

No. Only for issue age 76 or over.

Inflation Requirement issue age 60 and under

Provide annual compounded inflation increases of at least 3% or based upon the consumer price index.

Inflation Requirement issue age 61 to 75

The policy will provide simple inflation increases.

Inflation Requirement issue age 76 or over

The policy might provide inflation increases.

What if Inflation Growth stops at age 76

It can qualify for the Partnership