LTC Partnership case studies
LTC Partnership · Put your knowledge to work in context.
The Long-Term Care Partnership Training credential is the training component tied to state Long-Term Care Partnership programs, which link qualifying long-term care insurance policies to Medicaid asset protection. This page is an independent study resource for candidates preparing for that training and any associated assessment; it is not affiliated with, endorsed by, or sponsored by AHIP or any insurer, state agency, or certifying body. Candidates typically include insurance agents and brokers who sell or advise on long-term care insurance, compliance and suitability staff, and consumer counselors who explain how partnership-qualified policies interact with Medicaid. Because the official AHIP course page for this program returned a 'Page Not Found' error when checked on 2026-11-06, no verified information on item count, time limit, passing score, fee, retake policy, or validity period was available at that time. The LTC Partnership case studies are 5 cases and about 2,611 words.
1Partnership Policy After Moving to Another State
Elena, age 67, purchased a partnership-qualified long-term care policy in State A in 2018. The policy provides a 180,000 maximum lifetime benefit, a 150 daily benefit, a 90-day elimination period, and 3% compound annual inflation.
414 words, about 2 min2Choosing Between Two Partnership Policies at Age 73
Frank, age 73, is married to a 70-year-old wife and has 1.2 million in assets, including a mortgage-free home, plus 65,000 per year in retirement income. He has hypertension and mild arthritis but no current need for long-term care.
586 words, about 3 min3Simple Inflation Sold as Partnership-Qualified
Sandra, age 59, is single with 300,000 in savings. In 2024 she purchased a long-term care policy in a state with a partnership program.
532 words, about 3 min4Dollar-for-Dollar Disregard and Spousal Impoverishment
Harold, age 82, entered a nursing home in 2024. His wife, Edith, age 78, remains at home.
548 words, about 3 min5Suitability of a High-Premium Partnership Policy for an Older Widow
Alice, age 79, is a widow who lives alone. She has mild cognitive impairment, 90,000 in savings, 1,900 per month in Social Security, and a mortgage-free home worth 180,000.
531 words, about 3 min