---
title: "Vermont Long-Term Care Insurance | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/vermont/long-term-care-insurance/
description: "Vermont's Department of Financial Regulation oversees long-term care insurance. Vermont has no active Partnership program for Medicaid asset protection."
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.
---
Vermont · LTC Insurance

# Vermont Long-Term Care Insurance

Last updated 2026-10-20

Long-term-care insurance in Vermont is regulated by the Vermont Department of Financial Regulation, commonly known as DFR. Among its responsibilities, DFR reviews premium-rate increase requests from insurers and holds public forums specifically on those requests. One consumer protection worth knowing: insurers cannot single out an individual policyholder for a rate increase based on their age or health status — any rate change has to apply across the entire relevant group of policyholders, not target one person.

DFR's consumer materials also explain what these policies typically cover beyond nursing-home care: home health care, respite care, hospice, personal care delivered at home, assisted living, adult day care, and other community-based care settings, depending on the specific policy purchased. Because elimination periods, benefit triggers, inflation protection, and premium history are all contract-specific details that vary by policy and insurer, DFR's general consumer overview is a starting point for understanding the category — the actual policy document is where those specifics need to be confirmed. Vermont also maintains a Long-Term Care Partnership Program framework, which requires Department approval before a qualifying policy can be issued in the state, offering a path to added Medicaid asset protection for policyholders who choose Partnership-qualified coverage.

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

**No.** Vermont doesn't currently have an active Long-Term Care Partnership program open to buyers, and it isn't part of the Partnership reciprocity network. A Partnership policy bought in another state won't receive Partnership asset protection when you apply for Medicaid in Vermont.

That doesn't make long-term care insurance less useful. A policy still pays the benefits it promises, which can preserve savings and delay or avoid the need for Medicaid. Check current rules with the Vermont insurance regulator listed below.

## Sources and official resources

- [Vermont DFR: Long-Term Care Insurance](https://dfr.vermont.gov/insurance-help-type/long-term-care-insurance)
- [Vermont DVHA: Long-Term Care](https://dvha.vermont.gov/members/long-term-care)
- [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 Vermont guide](https://fundingltcmarketplace.com/states/vermont/)