Frequently Asked Questions

Q: What is the Kansas Partnership for Long-Term Care?

A: The Kansas Partnership for Long-Term Care is an initiative involving the State of Kansas and private insurance companies to encourage the private funding of long-term care. If a person purchases qualified long-term care insurance and ultimately uses the benefits under the policy, he or she can keep assets equal to the benefits received if that person applies and is approved for Medicaid.

Q: What are the requirements for a person to be covered under the partnership program?

A: Requirements of the program are these: The policy must have been issued after April 1, 2007; the insured must have been a Kansas citizen at the time of issue; the policy must be tax qualified; the policy must contain certain consumer protection provisions; the policy must provide minimum inflation protection—compound annual inflation protection if issued to a person under 61, annual inflation protection if issued to a person between 61 and 76.

Q: Would a Partnership policy purchased in another state be accepted in Kansas?

A: Kansas has elected to grant the asset disregard program to policyholders who purchased Partnership Policies in other states. The Partnership anticipates that Kansas Partnership Policies will be transferable to other states with Partnership Programs. The Partnership will be working in the coming months to establish the terms of reciprocity with other states.

Q: What if I have other questions about the Kansas Partnership for Long-Term Care?

A: Please see the More Information page, or send an e-mail to commissioner@ksinsurance.org.