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Louisiana Medicaid Eligibility Manual Eligibility Factors

Issued May 16, 2022

Page 1 of H-1620 Revised/added text indicated by underscore

Deleted text indicated by “**”

I-1620 LONG-TERM CARE PARTNERSHIP (LTCP) PROGRAM

I-1621 GENERAL INFORMATION

Effective October 1, 2009, Louisiana Medicaid implemented the Long-Term Care Partnership (LTCP) Program. The LTCP Program encourages Louisiana residents to plan for their future Long-Term Care (LTC) needs by offering individuals a way to protect their assets if they need to apply for LTC services. This program allows the policy beneficiary of a qualified LTCP policy to have certain resources disregarded in determining LTC Medicaid eligibility and to have those same resources protected from Medicaid estate recovery.

The resource disregard is applied in the form of a deduction when: • Determining the applicant/beneficiary’s resource eligibility for LTC Medicaid, and • Determining the amount of resources protected at Estate Recovery from the applicant/beneficiary’s estate. The purchase of a LTCP policy does not automatically qualify the applicant/beneficiary for Medicaid. An applicant/beneficiary who owns a LTCP policy can apply for Medicaid before the exhaustion of policy benefits.

I-1622 REQUIREMENT

For an applicant/beneficiary to be considered under the LTCP program, the applicant/beneficiary: • Must be the policyholder and beneficiary of the qualified LTC insurance policy, • Must have received some or all of the LTC benefits paid out under a qualified LTC policy prior to the month of application for LTC, and • Must meet the categorical, non-financial, financial, and medical eligibility requirements to qualify for Medicaid under nursing facility, Home and Community Based Services (HCBS), and/or PACE programs.