For Consumers

Buying a Long-Term Care Partnership policy

To make sure you're buying a Partnership policy, read the insurance policy or the cover page of the accompanying rider or endorsement. It should state that it meets the standards of the Partnership program. It will also include a separate Partnership disclosure notice.

Can I exchange my existing long-term care policy for a Partnership policy?

Yes, as long as your current policy was issued on or after Feb. 8, 2006, and it’s the type of policy certified for the Long-Term Care Partnership Program. However, some restrictions may apply. Check with your insurance company for details.

If your policy was issued before Feb. 8, 2006, check with your insurance company to see if they offer an option to exchange it for a Partnership policy.

How to buy a Partnership policy