North Dakota Long-Term Care Partnership


Individuals who purchase a qualifying Long-Term Care Partnership Policy can apply for Medicaid under special rules for determining financial eligibility and estate recovery. These specials rules provide 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 North Dakota Long-Term Care Insurance Partnership Policy is must follow these requirements:

  • --Be issued after January 1, 2007
  • --Cover an individual who was an North Dakota resident when coverage first becomes effective under the policy
  • --Be a tax-qualified policy
  • --Meet 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 ND 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 North Dakota Long-Term Care Partnership Program, click here.