C Long-Term Care Partnership Program Exclusion Example

Programs Manual Section ALTCS MA703F

The customer has a qualifying long-term care insurance policy. When she enters a nursing home, the policy begins issuing benefits that she uses to pay her nursing home costs.

The customer receives $80,000 in payments from the LTC policy before applying for ALTCS. As a result, $80,000 of her resources will not be counted in determining if she is resource eligible for ALTCS. In addition, $80,000 of any estate she may leave when she dies will be exempt from the Estate Recovery program.