Wisconsin Long-Term Care Insurance (*)

Wisconsin's Office of the Commissioner of Insurance (OCI) serves as the state's insurance regulator and its designated partner for the Long-Term Care Insurance Partnership Program, as identified by the Department of Health Services. OCI maintains a consumer-facing long-term-care page and a list of policies approved for sale in Wisconsin, and DHS points to OCI as the go-to resource for insurance-agent licensing questions tied to the Partnership Program.

OCI's current companies list shows which insurers have indicated they offer stand-alone long-term-care policies in Wisconsin. What isn't published, at least in the materials reviewed, is a simple one-line statement confirming every new policy is Partnership-qualified, or a clear open/closed status for Partnership sales generally. That gap means consumers should get written confirmation directly from the insurer and OCI rather than assume a specific policy's Partnership status. When a policy does qualify, benefits paid under it can protect resources and estate value dollar-for-dollar under the active Partnership framework.