---
title: "Connecticut Long-Term Care Insurance | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/connecticut/long-term-care-insurance/
description: "Connecticut's original Partnership program sells policies with Medicaid asset protection, and the Insurance Department precertifies Partnership policies."
last_updated: 2026-10-20
author: George A. Mellendorf, CLTC, LTCP (Central States Insurance Services, Inc.)
publisher: Funding LTC Marketplace
note: Educational content; not legal, tax or financial advice. Markdown copy of the HTML page at the URL above.
---
Connecticut · LTC Insurance

# Connecticut Long-Term Care Insurance

Last updated 2026-10-20

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.

## Does Connecticut have a Long-Term Care Partnership program?

**Yes.** Connecticut is one of the four original Partnership states. The Connecticut Partnership for Long-Term Care is run by the Office of Policy and Management (OPM), began before the Deficit Reduction Act of 2005 and follows its own rules rather than the NAIC-based DRA model most states use. A Partnership policy gives **dollar-for-dollar Medicaid asset protection**: every dollar the policy pays in benefits protects a dollar of assets from Medicaid's asset test and from estate recovery.

**How the protection works (illustrative):** if a Partnership policy pays $200,000 in benefits before you apply for Medicaid, Medicaid can disregard $200,000 of your assets on top of the state's regular asset limit, and that same amount is protected from Medicaid estate recovery later.

### If you move to another state

Connecticut policyholders who relocate may keep dollar-for-dollar protection in another state if two conditions are met: they apply to and qualify for that state's Medicaid program, and Connecticut and that state are both members of the Reciprocity Compact (or have a separate reciprocal agreement) when they apply.

Not every insurer offers Partnership-qualified policies in every state. When you compare quotes, ask whether each policy is Partnership-qualified in Connecticut.

## Sources and official resources

- [Connecticut Insurance Department: Long-Term Care Insurance](https://portal.ct.gov/cid/knowledge-base/articles/long-term-care-insurance)
- [Connecticut OPM: General Information on the CT Partnership for Long-Term Care](https://portal.ct.gov/opm/knowledge-base/articles/hhsppd-kb-articles/general-information-on-ct-partnership-for-ltc)
- [Connecticut OPM: Partnership Medicaid Asset Protection Reciprocity](https://portal.ct.gov/opm/knowledge-base/articles/hhsppd-kb-articles/partnership-medicaid-asset-protection-reciprocity)
- [Connecticut DSS: Long-Term Services and Supports, How to Apply](https://portal.ct.gov/dss/health-and-home-care/long-term-care/long-term-services-and-supports---ltss/apply)
- [New York State Partnership for Long-Term Care: State Partnership Programs and Reciprocity map](https://nyspltc.health.ny.gov/reciprocitymap.htm)
- [U.S. Code: 42 U.S.C. § 1396p (liens, estate recovery, transfers of assets, Partnership disregard)](https://www.law.cornell.edu/uscode/text/42/1396p)

Rules and figures change. Confirm current details with the agency before you act.

[← Back to the full Connecticut guide](https://fundingltcmarketplace.com/states/connecticut/)