Tennessee Long-Term Care Insurance (*)

The Tennessee Department of Commerce and Insurance describes the Tennessee Long-Term Care Insurance Partnership Program as a partnership between state government and participating private insurers. The department's current producer guidelines require approved training for anyone selling Partnership policies in the state, which confirms the program is still active rather than closed to new business.

Not every long-term-care policy or certificate sold in Tennessee automatically qualifies for Partnership treatment — insurer participation is voluntary, and qualification is decided policy by policy. Anyone buying a policy with Partnership protection in mind should get the carrier's written confirmation that the specific policy or certificate actually carries Partnership status before relying on it.