Alabama Long-Term Care InsurancePartnership Program


The Alabama Long-Term Care Insurance Partnership Program is designed to encourage residents of Alabama to purchase long-term care insurance by offering a plan that will allow Medicaid to disregard some or all of your assets for Medicaid eligibility and estate recovery purposes.

The Alabama Long-Term Care Insurance Partnership Program provides asset protection on a dollar-for-dollar basis. For every dollar that the insurance company pays out in benefits, is a dollar of your personal assets that will be protected if you need to apply for Medicaid.

For a policy to qualify for an Alabama Partnership Policy is must follow these requirements:

  • --Be issued after March 1, 2009
  • --Cover an individual who was an Alabama resident when coverage first becomes effective under the policy
  • --Be a tax-qualified policy
  • --Meet stringent consumer protection standards
  • --Meet the following inflation requirements:
    •     --Age 60 and younger: Compound inflation required
    •     --Age 61-75: Some form of inflation is required
    •     --Age 76+: No inflation required
  • The average costs of care on a daily basis in the state of AL are listed below:

    Homemaker Services
    Home Health Aide
    Adult Day Care
    Assisted Living Facility
    Nursing Home, Private Room
    Nursing Home, Semi-Private Room

    *This information came from the Genworth 2012 Cost of Care Survey.

For further information on the AL Partnership Program, click here.