Long-Term Care Partnership Plan

Here's how it works.

The Trust LTC Partnership plan is designed to give you added flexibility and an extra dimension of security. In essence, the plan provides asset protection in the unlikely event that your LTC plan benefits are completely paid out. Your LTC services are borne by the Plan for some period of time and then you may qualify for Medicaid coverage without needing to spend down your assets.

It works like this: for every benefit dollar you receive under your LTC partnership plan, you receive an equal dollar of asset protection under Wisconsin’s Medicaid spend-down requirements. So you keep the assets that you’d otherwise be forced to spend down before you qualify for Medicaid benefits.

You choose your care setting

• Your home
• Hospice care facility
• Adult day care facility
• Nursing home
• Alternate care facility such as a group home

We pay for services in the setting of your choice per day, except in the case of respite care (see below). You’re responsible for the copayment and any charges over the daily maximum benefit or total amount the plan will pay per day (currently $253.22*) under the policy.

Respite care applies if the person who lives with you full time and provides care needs a vacation, requiring you to hire a caregiver. Your LTC policy pays this hired caregiver a set amount (currently $125.72*) for no more than 14 days for each benefit period.

Find out how to qualify for LTC benefits.