The North Carolina Department of Insurance regulates long-term-care insurance sold in the state, and it publishes guidance on requirements for insurers licensed under the Long-Term Care Partnership Program.
That said, the Partnership Program's current status for new policy sales in North Carolina isn't fully confirmed, so anyone shopping for coverage should verify directly with the Department of Insurance whether a policy under consideration currently qualifies for Partnership asset protection. Regardless of Partnership status, long-term-care insurance is best thought of as one layer of a funding plan — not a replacement for reviewing Medicaid rules, family resources, care-setting choices, and estate-recovery exposure together.
← Back to the full North Carolina guide