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Aged, Blind and Disabled Manual Section: Institutional Medicaid Policy Number: 125.025 Chapter: Long-Term Care Partnership Policy Legal Authority: 42 USC 1396p 1. Long-Term Care Partnership (LTCP) Insurance Overview The LTCP program is a joint effort between the Federal Medicaid program and Long-Term Care (LTC) insurers. The program was developed to encourage people to plan for their future LTC needs, such as residing in a nursing facility or receiving services in a home and community-based setting. The LTCP program in Tennessee involves private LTC insurers, TennCare and the Tennessee Department of Commerce and Insurance (TDCI). The LTCP program is overseen by CMS and states are given flexibility in how the program is administered at the state level. In Tennessee, qualified LTCP insurance policies must provide a specific amount of inflation protection based on the person’s age when the policy is purchased. An LTCP policy must also meet other requirements determined by TDCI. To participate in TennCare’s LTCP program, a person must have purchased and received the benefits of a qualified LTCP policy. A person who requests TennCare Medicaid payment of LTC services after exhausting some or all LTCP policy benefits may have an amount of assets “disregarded” equal to the amount paid by the LTCP policy at the time the person is determined eligible for TennCare Medicaid. These assets are NOT counted when the individual’s TennCare Medicaid eligibility is determined and will NOT be recovered during estate recovery when the individual dies. 2. LTCP Program and TennCare Eligibility a. Long-Term Care Partnership Policy Participants An LTCP participant in Tennessee is someone who either: i. Requests TennCare Medicaid payment of LTC services after exhausting all benefits of a qualified LTCP policy; Requests and receives TennCare Medicaid payment of LTC services before exhausting all benefits of a qualified LTCP policy; or ii. Receives TennCare Medicaid payment of LTC services and dies before the LTCP policy benefits are exhausted.