Long-term care partnership information for consumers

Revised date

July 7, 2022

Purpose statement

This section gives an overview of the long-term care partnership insurance program. This program is a collaboration between the Department of Social and Health Services (DSHS), Health Care Authority (HCA) and the Office of the Insurance Commissioner (OIC).

WAC 182-513-1400 Long-term care (LTC) partnership program (index).

WAC 182-513-1400 Long-term care (LTC) partnership program (index).

Effective February 20, 2017

Under the long-term care (LTC) partnership program, people who purchase qualified long-term care partnership insurance policies can apply for long-term care medicaid under special rules for determining financial eligibility. These special rules generally allow the person to protect assets up to the insurance benefits received from a partnership policy so that such assets will not be taken into account in determining financial eligibility for long-term care medicaid and will not subsequently be subject to estate recovery for medicaid and long-term care services paid. The Washington long term care partnership program is effective on December 1, 2011.

The following rules govern long-term care eligibility under the long-term care partnership program:

WAC 182-513-1405 Definitions
WAC 182-513-1410 LTC Partnership policy qualifications.
WAC 182-513-1415 Assets that can't be protected under the LTC partnership provisions.
WAC 182-513-1420 Eligibility for asset protection under a partnership policy.
WAC 182-513-1425 Not qualifying for LTC medicaid if an LTC partnership policy is in pay status.
WAC 182-513-1430 Change of circumstances that must be reported when there is an LTC partnership policy paying a portion of my care.
WAC 182-513-1435 When Washington recognizes an LTC partnership policy purchased in another state.
WAC 182-513-1440 Determining how many assets can be protected.
WAC 182-513-1445 Designating a protected asset and required proof.
WAC 182-513-1450 How the transfer of assets affects LTC partnership and medicaid eligibility.
WAC 182-513-1455 Protected assets under an LTC partnership policy after death.

This is a reprint of the official rule as published by the Office of the Code Reviser. If there are previous versions of this rule, they can be found using the Legislative Search page.

Definitions used in long-term care (LTC)

What is long-term care?

For the purposes of Medicaid eligibility, long-term care is for individuals residing in a medical institution (primarily a nursing home) for 30 days or more or on a Home and Community based Waiver (HCB Waiver).

"Institutionalized individual" means an individual who has attained institutional status as described in WAC 182-513-1320

"Institutional Services" means services paid for by Medicaid or state funds and provided in a medical institution, through a Home and Community Based (HCB) Waiver or Program of All-Inclusive Care for the Elderly (PACE).

"Home and Community Based Services" (HCBS) means services provided in the home or a residential setting to individuals assessed by the department.

"Home and Community Based (HCB) Waiver programs" means Section 1915 (c) of the Social Security Act enables states to request a waiver of applicable federal Medicaid requirements to provide enhanced community support services to those Medicaid beneficiaries who would otherwise require institutional care.

Additional definitions used in long-term care eligibility

How do I apply for long-term care Medicaid

How to apply for Medicaid

Eligibility requirements for long-term care Medicaid

Eligibility requirements for long-term care are found in WAC 182-513-1315. Some of the key requirements are:

Identity and citizenship requirements
Furnish a valid social security number
Be a Washington State resident
Meet aged, blind, or disabled criteria
Income and resource guidelines
Institutional Medicaid is subject to penalties for resource transfers described in WAC 182-513-1363
Home equity cannot exceed $955,000 as described in WAC 182-513-1350.
Declaration of interest in an annuity and naming the State of Washington as a remainder beneficiary as described in WAC 182-516-0201

Income and resource standards for long-term care

Resources

WAC 182-513-1350 describes resource eligibility for long-term care

$2,000 for the applicant
$3,000 for a couple, both applying
$59,890 State spousal resource standard
$137,400 Federal spousal resource standard (1/1/2022)

Income

Countable income is compared to 300% of the Federal Benefit Rate (FBR). The 2022 rate is $2,523 and may also be called the Special Income Level (SIL).
Individuals with income at or below are eligible for categorically needy (CN) medical coverage.
Individuals with countable income over 300% of the FBR may be eligible for medically needy (MN) coverage based on the projected monthly cost of care in the facility or at home.
Individuals must contribute income after allowable deductions towards the cost of their care. This contribution is sometimes called participation.

Income and Resource standard charts used in long-term care eligibility

Frequently asked questions about the partnership program

Frequently Asked Questions

Washington State Long-Term Care Partnership Program Main Page

Washington State Long-term care partnership program main page (Long-Term care Medicaid manual, includes the Washington Administrative Code (WAC) rule on eligibility)

How do I designate the assets I want to protect?

Individuals with LTC partnership policy must submit a DSHS 10-438 LTCP Asset Designation form to Washington State Medicaid at the time of application and at each annual review in order to designate assets as protected based on the dollar amount paid for services by the LTC Partnership Policy. This will track protected assets for both LTC Medicaid eligibility and Estate Recovery purposes.

DSHS 10-438 Long-Term Care Partnership Asset Designation Form