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. If you reach that point, you may qualify for Medicaid coverage without needing to spend down your assets.

It works like this: for every benefit dollar your LTC partnership plan pays toward your covered services, 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

You can choose to receive care in any number of settings including:

• Your home
• Hospice care facility
• Adult day care facility
• Nursing home
• Alternate care facility such as an assisted living home

We pay for covered services in the above-listed setting of your choice. You’re responsible for the copayment and any charges over the daily maximum benefit or total amount the plan will pay per day (currently $269.88*) 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, you may qualify for the respite care of your LTC plan. Your LTC Partnership plan pays this hired caregiver a set amount (currently $132.01*) for no more than 14 days for each benefit period.

Find out how to qualify for LTC benefits.