---
title: "Massachusetts Long-Term Care Insurance | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/massachusetts/long-term-care-insurance/
description: "Massachusetts has no Partnership program. Its Division of Insurance regulates LTC policies, and MassHealth-qualified policies can protect home and estate."
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.
---
Massachusetts · LTC Insurance

# Massachusetts Long-Term Care Insurance

Last updated 2026-10-20

Long-term-care insurance in Massachusetts falls under the Division of Insurance's regulation 211 CMR 65.00, which sets standards for individual policies and non-employment-based group policies alike — covering everything from disclosure requirements to marketing practices to agent training.

The Division keeps a published list of individual LTC policies that meet 211 CMR 65.00's standards, but it comes with caveats: the list skips group policies and anything reviewed through the Interstate Insurance Product Regulation Commission, and it's dated June 16, 2023. That makes it a historical approval reference rather than confirmation that a given carrier is actively selling that policy today.

What sets Massachusetts apart from many states is the absence of a federal LTC Partnership Program here. Instead, the state runs its own MassHealth-qualified coverage framework, and a qualifying policy under that framework can carry home and estate-recovery protections that are distinct from — and in some respects more specific than — what a Partnership-style policy would provide elsewhere.

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

**No.** Massachusetts doesn't take part in the federal Long-Term Care Partnership program. Instead, MassHealth recognizes certain **MassHealth-qualified** long-term care insurance policies, which can carry their own protections for the home and against estate recovery. Ask the Division of Insurance or the insurer whether a policy is MassHealth-qualified.

A Partnership policy bought in another state doesn't receive Partnership asset protection when you apply for MassHealth. The policy still pays the benefits it promises.

## Sources and official resources

- [Mass.gov: Long Term Care Insurance](https://www.mass.gov/long-term-care-insurance)
- [Mass.gov: Paying for a Stay in a Nursing or Rest Home](https://www.mass.gov/info-details/paying-for-a-stay-in-a-nursing-or-rest-home)
- [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 Massachusetts guide](https://fundingltcmarketplace.com/states/massachusetts/)