Maryland Long-Term Care Partnership Program


Since December 2008 Maryland has offered Partnership Policy's. The Maryland Long-Term Care Partnership Program is an alliance between the state of MD and private long-term care insurance companies.

Under the Maryland Long-Term Care Insurance Partnership Program, the state will disregard the policyholder's personal assets equal to amounts paid out under a qualifying insurance policy when it determines the person's eligibility for Medicaid assistance. For example, if a qualifying LTC insurance Partnership policy pays out $50,000 in benefits to cover a person's long-term care needs, Medicaid would not count up to $50,000 of the person's assets when it determines whether a person is eligible for Medicaid assistance with long-term care costs. This means the person would be able to qualify for LTC assistance though Medicaid without first having to spend all of their assets on care.

Under the federal Deficit Reduction Act of 2005, MD is an authorized Partnership program state. Maryland LTC Partnership policies must be tax-qualified, contain certain consumer protection provisions and provide inflation protection.

The average costs of care on a daily basis in the state of MD 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.

To request a MD Long-Term Care Partnership Quote, click here!