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Long Term Care Partnership Program Reciprocity between States

Indiana and Connecticut were the first two states to implement the reciprocity agreement in 2001, allowing those who owned a Long Term Care Insurance Partnership Policy in one of the states (IN or CT) and then they moved to the other state to be able to still receive the asset protection if they need to receive Medicaid benefits in their new location. Prior to the reciprocity agreement the LTC Insurance benefits of the Partnership Policy were portable however the asset protection portion was not.

The DRA of 2005 does require that all states parti

cipating in the Long Term Care Partnership Program to develop a reciprocity agreement under which benefits paid and asset protection would be treated the same by all states that participate in the Partnership Program. If a state chooses not to participate then they must notify the Department of Health and Human Services in writing that they wish to be exempt.

Currently, only two the original Partnership States do not participate in the reciprocity, they are California and New York. All states under the DRA of 2005, that are currently Long Term Care Partnership approved do participate in reciprocity.

Reciprocity is a very attractive feature in the Long Term Care Partnership Policies, especially for those who do know where they will reside in the future. 

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