--- title: "Kansas Long-Term Care Insurance | Funding LTC Marketplace" url: https://fundingltcmarketplace.com/states/kansas/long-term-care-insurance/ description: "The Kansas Insurance Department administers a Partnership program that can protect assets dollar-for-dollar when a qualifying policy pays benefits." 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. --- Kansas · LTC Insurance # Kansas Long-Term Care Insurance Last updated 2026-10-20 Long-term-care insurance in Kansas is regulated through the Kansas Insurance Department, which also administers the state's Partnership for Long-Term Care program. The department's Partnership brochure describes long-term care broadly — everything from help at home or in a residential-care facility up through skilled nursing-facility care — and frames LTC insurance as coverage built to pay some or all of those costs once a person can no longer manage their own personal needs (Kansas Partnership for Long-Term Care brochure). The Partnership design matters because it can protect assets dollar-for-dollar: when a qualifying Partnership policy pays out benefits, an equivalent amount of the policyholder's assets becomes protected from Medicaid's normal spend-down requirement if long-term-care Medicaid is later needed. It's important not to treat traditional LTC insurance and KanCare as interchangeable products solving the same problem. A private policy carries its own daily benefit amount, benefit period, elimination period, list of covered care settings, inflation-protection option, exclusions, insurer underwriting standards, and premium history. Anyone evaluating a policy should read the actual outline of coverage and policy form rather than assume a benefit exists just because a marketing brochure uses the words "long-term care." ## Does Kansas have a Long-Term Care Partnership program? **Yes.** Kansas takes part in the Long-Term Care Partnership program created by the federal Deficit Reduction Act of 2005 (DRA). DRA Partnership states follow consumer-protection standards drawn from the National Association of Insurance Commissioners (NAIC) Long-Term Care Insurance Model Act and Model Regulation. A Partnership-qualified policy gives you **dollar-for-dollar asset protection**: for every dollar the policy pays in benefits, Kansas Medicaid can disregard a dollar of your assets when it decides eligibility, and the same amount is protected from estate recovery after death. **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. ### What makes a policy Partnership-qualified - It's a **tax-qualified** long-term care policy under Internal Revenue Code § 7702B. - It meets the state's Partnership consumer-protection standards and is issued while you're a resident of a Partnership state (each state sets its own start date and residency rule). - It carries the required **inflation protection** for your age when you buy: compound annual protection if you're under 61, some level of protection from 61 through 75, and optional protection at 76 or older. ### If you move to another state Kansas appears on the New York State Partnership for Long-Term Care's reciprocity map as a Partnership state that honors reciprocity. In general, a Partnership policy bought in another reciprocal state keeps its dollar-for-dollar protection here, and a Kansas policy keeps it in other reciprocal states. **The original four:** California, Connecticut, Indiana and New York started their Partnership programs before the Deficit Reduction Act of 2005. Their programs were designed separately from the NAIC-based DRA model, so their rules differ (for example, some offered Total Asset protection), and California doesn't take part in reciprocity. If you bought a policy in one of these states, confirm how it's treated with the Medicaid agency where you'll apply. Not every insurer offers Partnership-qualified policies in every state. When you compare quotes, ask whether each policy is Partnership-qualified in Kansas. ## Sources and official resources - [Kansas Insurance Department: Life, Annuities and Long-Term Care](https://www.insurance.kansas.gov/consumers/life-and-viatical) - [KDHE: KanCare Eligibility Guidelines](https://www.kdhe.ks.gov/185/KanCare-Eligibility-Guidelines) - [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 Kansas guide](https://fundingltcmarketplace.com/states/kansas/)