Consumer protections

Partnership programs should require LTCI policies to provide comprehensive benefits and strong consumer protections, particularly regarding non-forfeiture, inflation protection, and premium stability. 

Such programs should guarantee the types of Medicaid services—particularly home- and community-based services—that the state will provide to eligible partnership policyholders. 

States should allow reciprocity with all other states’ partnership programs. 

All partnership policies should allow policyholders to assign their benefits to qualified service providers. 

States should require training of agents who are authorized to sell partnership policies in the state. Training should be specifically tailored to the knowledge of partnership policies and Medicaid eligibility.