--- title: "Oregon Long-Term Care Insurance | Funding LTC Marketplace" url: https://fundingltcmarketplace.com/states/oregon/long-term-care-insurance/ description: "Oregon's Division of Financial Regulation oversees an active Partnership program that protects assets from Medicaid limits and estate recovery." 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. --- Oregon · LTC Insurance # Oregon Long-Term Care Insurance Last updated 2026-10-20 Oregon's Division of Financial Regulation (DFR), part of the Department of Consumer and Business Services, publishes the state's long-term-care insurance information and administers its Qualified Partnership Program. DFR maintains a current public list of companies offering partnership policies, which confirms the Oregon Partnership framework is still active rather than closed to new policies. A qualifying partnership policy can help someone protect additional assets if they later need long-term care, exhaust their policy benefits, and then need Medicaid. DFR requires a policy to meet state and federal minimum-benefit standards, and age-based policies may need inflation protection — a consumer should confirm that a specific policy, and any later changes to it, still retains Partnership status. Because benefits paid under a Partnership policy can reduce later estate-recovery exposure, this program interacts directly with the expanded recovery rules discussed elsewhere on this site, making it a meaningful piece of an Oregon funding strategy rather than a stand-alone product decision. ## Does Oregon have a Long-Term Care Partnership program? **Yes.** Oregon 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, Oregon 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 Oregon 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 Oregon 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 Oregon. ## Sources and official resources - [Oregon DFR: What Long-Term Care Policies Cover](https://dfr.oregon.gov/insure/health/long-term-care/pages/what-policies-cover.aspx) - [Oregon DFR: Qualified Partnership Program](https://dfr.oregon.gov/insure/health/long-term-care/pages/qualified-partnership-program.aspx) - [Oregon ODHS: Aging and People with Disabilities](https://www.oregon.gov/odhs/aging-disability-services/pages/default.aspx) - [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 Oregon guide](https://fundingltcmarketplace.com/states/oregon/)