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States should not impose blanket requirements for applicants to seek the return of all transferred assets. 

Federal and state regulations should establish hardship waivers of the home equity limit that protect people with no other way to pay for needed care. 

Unmarried domestic partners and spouses in same-sex marriages should be provided all the financial protections given to opposite-sex community spouses. 

Tax and spending decisions should be the purview of the legislative branch. 

The federal government should permit states to opt out of Medicaid estate recovery. 

The federal government should require all states to implement medically needy programs for people who need LTSS in all settings. 

Programs that link Medicaid eligibility to the purchase of long-term care insurance (LTCI) should not limit the availability of Medicaid benefits for people with low incomes who need long-term serv

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

Programs should require those selling partnership policies to educate consumers to make informed decisions about whether a partnership policy is right for them.