Long Term Care

Minnesota Long Term Care Insurance Partnership Program Information

The Minnesota Long Term Care Partnership Program is a joint effort between private long term care insurance companies and Minnesota's Medicaid/Medical Assistance Program. It aims to help Minnesotans acquire a Long Term Care insurance policy and keep more of their personal assets protected should they apply to Medical Assistance to receive ongoing care.

Medical Assistance (MA) is Minnesota's Medicaid program that provides varied health care services including long term care.

Unlike those of the other states that have Partnership Programs, the Minnesota Long Term Care Partnership program does not require minimum lifetime or daily benefits.

Below is the 2012 Minnesota median cost for care data as generated by Genworth Financial:

Region Homemaker Services Hourly Rate
Home Health Aide Hourly Rate
(Medicare Certified)
Assisted Living Facility Monthly Rate
(Private room)
Nursing Home Daily Rate
(Semi-private room)
Nursing Home Daily Rate
(Private room)
Duluth-Superior $21 $21 $3,213 $214 $223
Mankato n/a $21 $2,400 $181 $207
Minneapolis - St. Paul - Bloomington $25 $21 $3,215 $212 $220
Rochester $23 $21 $3,450 $205 $226
St. Cloud $25 $21 $2,803 $218 $242
Rest of State $25 $21 $2,393 $170 $186
Minnesota Long Term Care Insurance

Minnesota Medical Assistance & Partnership Program Requirements

Minnesota's Medical Assistance (MA) program can pay for the long-term care needs of the residents provided that they meet certain asset limits. The Minnesota Department of Human Services supervises the state's long term care Partnership Program which allows qualified policyholders to protect the amount of their assets that is equivalent to the total dollar amount that their policies have paid in benefits.

The following are the requirements an applicant must meet in order to qualify for the state's partnership program:

  1. The applicant must be "tax qualified" as defined in Section 7702B(b) of the Internal Revenue Code.
  2. The applicant must accomplish certain consumer protection requirements in Section 6021(a)(B)(5)(A) (Expansion of State Long-Term Care Partnership Program) of the Deficit Reduction Act of 2005 from the NAIC Model Act of 2000.
  3. The applicant must be a resident of Minnesota when the coverage became effective.
  4. The policy must have inflation protection if the applicant's age is below 76 years old. The Department of Commerce reviews and approves all applications for the long term care insurance partnership programs.

Inflation Protection Rules for Long Term Care Policies in Minnesota

For policyholders who are 61 years old, the inflation protection must provide compound annual inflation protection and must be carried forward until age 66 to be considered and to maintain Partnership status.

For policies sold to policyholders aged 61 to 75 years old, the inflation protection must remain for the first five consecutive years after the date of purchase, or until the age of 76, whichever comes first, before it can be considered valid protection and maintain Partnership status.

After the first five years, policies sold to persons 61 to 75 years old may, but is not required, to have inflation protection to maintain its Partnership status.

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