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The State Partnership for Long-Term Care Insurance (LTCi)

New York Life Insurance Company is pleased to participate in the state partnership for LTCi program. The creation of the state partnership program is a message to consumers that the state and federal governments advocate personal responsibility for long-term care needs for those who can afford it. Based on the partnership qualifying criteria, many policies in eligible states will automatically qualify for partnership protection.

Partnerships are an alliance between the private insurance industry and state government and are intended to reduce future reliance on Medicaid as a funding source for long-term care needs. LTCi Partnership policies are designed to encourage individuals to take personal responsibility for long-term care planning. While Medicaid qualification normally requires a significant reduction of personal assets, individuals who use the benefits of an LTCi partnership policy may be able to protect a portion of their assets in the event additional Medicaid coverage is needed.

Please refer to your state's Medicaid or Department of Insurance website for details on Medicaid eligibility requirements.

The Medicaid eligibility requirements vary by state. Qualified LTCi Partnership policies must, among other things:

  • Be issued to an individual that is a resident of the Partnership state as of the policy effective date
  • Be effective after the state's Partnership program effective date
  • Provide compound inflation protection for purchasers under age 61; some level of inflation protection for purchasers between the ages of 61 and 75; and optional inflation protection for purchasers aged 76 and older.

New York Life’s long-term care insurance policy and the state partnership program
New York Life's LTCSelect Premier policy is certified as a qualified LTCi Partnership policy in Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Iowa, Kansas, Kentucky, Maine, Maryland, Minnesota, Missouri, Nebraska, New Jersey, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Virginia, Wisconsin and Wyoming. Additional states will be added to this list in the near future.

For more information on New York Life and the State Partnership Program, click on your state below to view our "The State Partnership for Long-Term Care Insurance" brochure.

The purpose of this material is solicitation of insurance. An insurance agent may contact you. Long-term care insurance is issued on policy form series ILTC-5000 and INH-5000 with a state identifier, where applicable and edition date. These policies may have exclusions and limitations.