Schug The LTC Guy: Part 1 CPR: CA Partnership for Long-Term Care

Note: The CA Partnership Long-Term Care CE course is 8 hour of instruction Insurance Agents take every two years to be in compliance. I am primary instructor in Southern CA for
Senior Insurance Training Services

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California began the CA Partnership for Long Term Care program in 1994, to promote the purchase of private LTC insurance by offering consumers access to Medi-Cal under special eligibility rules should additional LTC coverage (beyond what the policies provide) be needed.

The California Partnership for Long-Term Care with a select number of private insurance companies. These insurers have agreed to offer high quality policies that meet stringent standards set by the Partnership and the State of California. These special policies are commonly called “Partnership Policies.”

Unique Aspects Of the Partnership Policy

1. Dollar for Dollar Asset protection for Medi-Cal qualification and Estate Recovery Credit.

Each dollar your Partnership policy pays out in benefits entitles you to
keep a dollar of your assets if you ever need to apply for Medi-Cal.
Your protected dollar will also be exempt from any claim theState of California
may have against your estate to recover the cost of State-paid long-term
care or medical services provided to you.

2. Face to Face Independent Care Management

Partnership policies include an Independent care management benefit. The care manager is a health care professional or a social worker who is employed by a care management agency that provides assessment, care coordination, and monitoring. Works with you to assess your circumstances, determine the specific services you need, develop a plan of care to address your needs and, if you desire, coordinate and monitor services to insure you are cared for appropriately. The care manager paid for by the Insurer but is contracted through the CA Dept of Health. Care Managers, are all required to meet specific standards established by the Partnership.