LTC Partnership study guide
LTC Partnership · Work through your exam, one topic at a time.
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. The LTC Partnership study guide has 4 sections and about 1,455 words.
01Long-Term Care Partnership Programs
This domain tests how a public Medicaid program and private long-term care insurance interact. A Partnership program is a state-approved arrangement in which an insurer sells a Partnership-qualified policy and the state grants a Medicaid asset disregard when benefits are paid.
361 words, about 2 min02Long-Term Care Insurance Basics and Policy Design
This domain tests the building blocks of a long-term care insurance contract: what triggers benefits, how benefits are measured and paid, and how policy design choices affect cost and suitability. Benefit triggers: inability to perform at least two of six activities of daily living (bathing, dressing, eating, toileting, transferring, continence) expected to last at least 90 days, or severe cognitive impairment.
382 words, about 2 min03Partnership-Qualified Policy Requirements and State Variations
This domain tests the minimum federal standards for Partnership-qualified policies and the state-specific rules that sit on top of them. The Deficit Reduction Act of 2005 set national eligibility criteria, but each participating state adopts its own plan amendment, effective date, and consumer protections.
353 words, about 2 min04Medicaid, Asset Protection, and Consumer Suitability
This domain tests how Partnership asset protection fits within Medicaid eligibility and how producers should assess suitability. Medicaid is the largest payer of long-term care, but it is means-tested and has transfer, estate recovery, and spousal impoverishment rules.
359 words, about 2 min