California
California Partnership Long-Term Care Policies
A Partnership-qualified policy is a private LTC policy with a built-in asset-protection benefit: every dollar your policy pays is a dollar of assets you can keep and still qualify for Medi-Cal.
Dollar-for-Dollar Protection
If a Partnership policy pays out $400,000 in benefits, $400,000 of your assets are protected from Medi-Cal spend-down and estate recovery.
State-Certified Coverage
Only policies certified by the California Department of Insurance and CDHCS qualify. Not all LTC policies sold in California are Partnership policies.
Medi-Cal Bridge
Partnership policies are designed to work with Medi-Cal, giving families a graceful transition if a care event outlasts the policy benefits.
How Partnership Asset Protection Works
- 1. Buy a Partnership-qualified policy. Coverage must meet California's inflation-protection and benefit standards.
- 2. Use your benefits when care is needed. The insurer pays for qualified home care, assisted living, or facility care.
- 3. Apply for Medi-Cal if benefits run out. The state disregards assets equal to the total benefits your policy paid.
- 4. Protect the estate. Those same protected assets are exempt from Medi-Cal estate recovery after your lifetime.
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