Long-term Care Partnership-Information for consumers
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Long-term Care Partnership-Information for consumers


Revised January 9, 2014



Purpose: 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 182-513-1400Long-term care (LTC) partnership program (index)

WAC 182-513-1400

WAC 182-513-1400

Effective January 1, 2013

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

Emergency WAC effective 1-1-2014

Under the long term care (LTC) partnership program, individuals 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 individual 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:

  1. WAC 182-513-1405   Definitions
  2. WAC 182-513-1410  What qualifies as a LTC Partnership?
  3. WAC 182-513-1415  What assets can't be protected under the LTC partnership provisions?
  4. WAC 182-513-1420  Who is eligible for asset protection under the LTC partnership policy?
  5. WAC 182-513-1425  When would I not qualify for LTC medicaid if I have a LTC partnership policy that does not have exhausted benefits?
  6. WAC 182-513-1430  What change of circumstances must I report when I have a LTC partnership policy paying a portion of my care?
  7. WAC 182-513-1435  Will Washington recognize a LTC partnership policy purchased in another state?
  8. WAC 182-513-1440  How many of my assets can be protected?
  9. WAC 182-513-1445  How do I designate a protected asset and what proof is required?
  10. WAC 182-513-1450  How does transfer of assets affect LTC partnership and medicaid eligibility?
  11. WAC 182-513-1455  If I have protected assets under a LTC partnership policy, what happens after my 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 client"means a client 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 $506,000 as described in WAC 182-513-1350.  Effective 1/1/2014 this standard increases to $543,000
  • 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
  • $53,016 State spousal resource standard
  • $117,240 Federal spousal resource standard (1/1/2014)

Income: 

  • Countable income is compared to 300% of the Federal Benefit Rate (FBR).  The 2014 rate is $2,163 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.
  • Clients 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

http://www.dshs.wa.gov/pdf/ms/forms/10_438.pdf


More information on Long-term Care eligibility in Washington State

Long-term care eligibility manual includes the Washington Administrative Code

Questions and Answers on the COPES Program by Columbia Legal Services (COPES is the main home and community based waiver used in Washington State)

Questions and Answers on Medicaid for nursing home residents by Columbia Legal Services

Aging & Disability Services Administration Internet Site 

How to apply for Medicaid

Modification Date: January 9, 2014