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Long-term care coverage will help you live your life with dignity and with independence.

A Long-Term Care Partnership Program available in Kansas offers a way for Kansans to protect their assets if they ever need to apply for Medicaid services.

The Kansas Partnership for Long-Term Care program was announced at a news conference Oct. 12, 2007.   

The initiative encourages Kansans to partner with the state-based program as they purchase qualified private long-term care insurance policies. 

Partnership-Qualified policies are available from licensed insurance professionals.  Policies must meet the state and federal Partnership requirements.

People who purchase qualifying long-term care policies, after depleting their insurance benefits, may still qualify for Medicaid, provided they meet all other Medicaid eligibility criteria.

The Long-Term Care Partnership program provides dollar for dollar asset protection. Each dollar that your partnership policy pays out in benefits entitles you to keep a dollar of your assets if you ever need to apply for Medicaid services.

Under provisions of the federal Deficit Reduction Act of 2005, states are authorized to enact Partnership programs.  Partnership programs must be tax-qualified, contain certain consumer protection provisions and provide inflation protection.   

A brochure produced by the Kansas Insurance Department, the Kansas Health Policy Authority and the Kansas Department for Aging and Disability Services explains this public/private initiative.  The brochure is available from each of the agencies, the Kansas Department of SRS eligibility workers and here on this Kansas Partnership for Long-Term Care Web site.