---
title: "District of Columbia Long-Term Care Insurance | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/district-of-columbia/long-term-care-insurance/
description: "DISB regulates LTC insurance under DC Code Chapter 36; available sources identify no DC Long-Term Care Partnership Program."
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.
---
District of Columbia · LTC Insurance

# District of Columbia Long-Term Care Insurance

Last updated 2026-10-20

Long-term-care insurance sold in the District falls under D.C. Code Title 31, Chapter 36. The statute puts the Commissioner of the Department of Insurance, Securities, and Banking — DISB for short — in charge of regulating the product, and it applies to both individual and group long-term-care policies delivered or issued for delivery within the District. Authorized insurers, along with several other specified types of organizations, are permitted to issue these policies under the chapter's rules.

DISB's own consumer-facing guidance explains what private long-term-care insurance typically covers: skilled, intermediate, and custodial nursing-home care, and depending on the specific policy, home health care, adult day care, or assisted living as well. It also makes a point of warning consumers that Medicare doesn't pay for ongoing nursing-home stays or extended home care — a common and costly misconception. That said, DISB's guide was last updated back in 2014, so it's a solid resource for the general concept of what these policies do, but not the place to look for current premiums, which insurers are actively selling in the District, or today's Medicaid eligibility figures. Available materials also do not identify an active District Long-Term Care Partnership Program, so families should not assume Partnership-style asset protection applies here without direct confirmation from DISB.

## Does D.C. have a Long-Term Care Partnership program?

**No.** D.C. doesn't currently have an active Long-Term Care Partnership program open to buyers, and it isn't part of the Partnership reciprocity network. A Partnership policy bought in another state won't receive Partnership asset protection when you apply for Medicaid in D.C..

That doesn't make long-term care insurance less useful. A policy still pays the benefits it promises, which can preserve savings and delay or avoid the need for Medicaid. Check current rules with the D.C. insurance regulator listed below.

## Sources and official resources

- [D.C. DISB: What You Should Know About Long-Term Care Insurance](https://disb.dc.gov/disb-page/what-you-should-know-about-long-term-care-insurance-0)
- [D.C. DHCF: Long-Term Care (LTC)](https://dhcf.dc.gov/service/long-term-care-ltc)
- [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 District of Columbia guide](https://fundingltcmarketplace.com/states/district-of-columbia/)