---
title: "Wisconsin Long-Term Care Insurance | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/wisconsin/long-term-care-insurance/
description: "Wisconsin's active Partnership framework can protect resources and estate value dollar-for-dollar for benefits paid under a qualifying policy."
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.
---
Wisconsin · LTC Insurance

# Wisconsin Long-Term Care Insurance

Last updated 2026-10-20

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.

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

**Yes.** Wisconsin 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, Wisconsin 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

Wisconsin 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 Wisconsin 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 Wisconsin.

## Sources and official resources

- [Wisconsin OCI: Consumer's Guide to Long-Term Care](https://oci.wi.gov/Documents/Consumers/PI-047.pdf)
- [Wisconsin DHS: Long-Term Care Insurance Partnership](https://www.dhs.wisconsin.gov/em/ltcip.htm)
- [Wisconsin DHS: Consumer Guide, Long-Term Care Insurance](https://www.dhs.wisconsin.gov/guide/insltc.htm)
- [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 Wisconsin guide](https://fundingltcmarketplace.com/states/wisconsin/)