Minnesota Long Term Care Partnership Program


The Minnesota Long Term Care Partnership Program is a public-private arrangement between the long term care insurance companies and Minnesota's Medical Assistance (MN's Medicaid). It is designed to allow residents of MN to purchase some LTC insurance and have their assets protected if later should they need state assistance.

Minnesota Partnership Program works in the same manner as most the other partnership programs, in that the program provides a dollar for dollar asset protection. Each dollar your long term care insurance partnership policy pays out in benefits entitles you to keep a dollar of your assets if you ever need Medical Assistance (Medicaid).

Under the federal Deficit Reduction Act of 2005, MN is an authorized Partnership program state. Minnesota Partnership policies must be tax-qualified, contain certain consumer protection provisions and provide inflation protection for those under the age of 76.

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

Minnesota Partnership policies are available from licensed insurance professionals that represent carriers that are authorized to sell Minnesota Long Term Care Partnership Policies. To speak to a licensed professional in your area you can complete this form.

For further information and complete details of the MN LTC Partnership Program visit the Minnesota Long Term Care Program official website.