Long-Term Care Insurance Partnership

The Wisconsin Long-Term Care Insurance Partnership Program is a joint effort between the federal Medicaid Program, long-term care insurers, and the state of Wisconsin. Wisconsin’s Long-Term Care Insurance Partnership Program is a partnership between:

• Private long-term care insurers

• Long-term care insurance producers (agents and brokers)

• Wisconsin Department of Health Services

• Office of the Commissioner of Insurance

At the federal level, the Long-Term Care Insurance Partnership Program is overseen by the Centers for Medicare and Medicaid Services (CMS).

The purpose of the Wisconsin Long-Term Care Insurance Partnership Program is to encourage people to make plans for how they will meet their future long-term care needs, whether through services provided in their own home or another community-based setting or in a nursing facility.

Under the Wisconsin Long-Term Care Insurance Partnership Program, an amount equal to the amount of benefits that a person receives under a qualifying Long-Term Care Insurance Partnership insurance policy is excluded when determining:

• The person’s resources for purposes of determining Wisconsin Medicaid eligibility and
• The amount to be recovered from the person’s estate if the person receives Wisconsin Medicaid benefits.

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