For Consumers

Washington state Long-Term Care Partnership Program

The Washington state Long-term Care Partnership (LTCP) Program 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 at least two of the following daily activities:

  • Bathing
  • Continence (bladder/bowel control)
  • Dressing
  • Eating
  • Toileting
  • Transferring (getting out of a chair, bed or wheelchair)

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.