Connecticut Long-Term Care Insurance (*)

The Connecticut Partnership for Long-Term Care pairs the state with private insurers to sell specially designed long-term-care policies. According to the state's Office of Policy and Management, these policies are sold competitively by private companies and can pay for both nursing-home and home-care costs. That's current evidence the Connecticut Partnership remains genuinely open for new sales, not a closed, legacy-only arrangement.

The headline Medicaid feature is Asset Protection if the policyholder later needs to apply for Connecticut Medicaid. The state's consumer guidance lays out the mechanism plainly: someone who would otherwise qualify for Medicaid can keep assets equal to whatever benefits their Connecticut Partnership-approved policy actually paid out. That protection is tied to a qualifying Partnership policy and to benefits genuinely paid — it isn't a blanket exemption extended to every long-term-care policy on the market.