Washington state Long-Term Care Partnership Program

This special program (www.dshs.wa.gov) provides consumers with another option to help pay for long-term care costs, such as nursing home care, home-based care, etc. It helps you avoid spending down or transferring assets so you qualify for Medicaid when you need help with daily activities, such as dressing, bathing, eating, etc.

How it works

Offers you Medicaid asset protection on a dollar-for-dollar basis.

  • Medicaid asset protection protects most assets you have - up to the amount of benefits paid under the policy.

    Example: If the Partnership policy paid $200,000, Medicaid would allow you to keep $200,000 in assets and you’d still qualify for government help to pay for care as long as you meet all other qualifications.

Protects you against inflation. If you're:

  • Under age 61 when you buy the policy, it’ll provide annual compounded inflation increases for benefits to cover the cost of your care.
  • Between age 61 and 76, the policy will provide simple inflation increases.
  • Over age 76, the policy might provide inflation increases.

Protects your assets in other states

  • If you buy or exchange a Partnership policy in Washington state, it will help protect your assets in other states too.
  • Washington's a participant in the national "reciprocity" agreement with many other states. This agreement allows Washington state Partnership policyholders to move to another "reciprocal" state and receive dollar-for-dollar asset protection. Similarly, Partnership policyholders from other reciprocal states can move to Washington state and remain protected.
  • Without a reciprocity agreement, your long-term care policy is portable, but the asset protection features are not.

Updated 03/27/2014

See also

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