Kentucky's Department of Insurance regulates long-term-care coverage in the state and reviews LTC policy form filings before they're sold to consumers. Its regulations identify 806 KAR 17:083 as the rule governing Kentucky's long-term-care partnership insurance program, alongside separate long-term-care insurance policy standards.
Kentucky's publicly posted 2024 consumer guide describes an active Partnership asset-disregard program — meaning benefits paid out under a qualifying Partnership policy can translate into protected assets if the policyholder later needs Medicaid. Buying insurance isn't the same as qualifying for Medicaid, though, so a purchaser still needs to read the actual policy for its benefit triggers, exclusions, inflation terms, premium history, and nonforfeiture provisions.
The Department of Insurance's guide functions as a consumer resource, while the insurer and the Department itself determine whether any specific filing and policy actually meet the applicable Partnership requirements.
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