The Delaware Department of Insurance oversees long-term-care insurance sold in the state and maintains an Office of Long-Term Care Insurance consumer page with contact information for coverage questions. According to the Department, LTC insurance can help pay for nursing-home care, in-home care, respite care, hospice, and adult day care, typically paying benefits as a fixed dollar amount per day or per visit.
Having a policy isn't the same thing as being eligible for Medicaid, and coverage details vary widely from plan to plan — benefit triggers, the daily benefit amount, the elimination period, inflation protection, premiums, exclusions, and the insurer's financial strength all need to be read directly from the specific policy and its disclosures rather than assumed.
Delaware participates in the State Long-Term Care Partnership Program, and the state's current published carrier list includes companies actively selling Partnership plans — policies that can offer added Medicaid asset-protection benefits alongside standard LTC coverage.
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