About the Texas Long-Term Care Partnership

The Texas Long-Term Care Partnership was created by the Texas Legislature to give Texans like you the information and tools you need to plan for long-term care.

The Partnership is a collaborative effort between private long-term care insurance providers, their authorized agents, and state government agencies, including the Texas Department of Insurance, the Texas Health and Human Services Commission, and the Texas Department of Aging and Disability Services.

Texas Long-Term Care Partnership-qualified policy advantages

Texas Long-Term Care Partnership-qualified policies provide some benefits, features, and consumer protections that are not available with other long-term care policies.

These additional features offer even greater protection of your financial resources, such as your home and savings. They include “dollar-for-dollar” resource protection, inflation protection, and coverage that follows you to another state if you move. In addition, all Partnership-qualified policies are tax-qualified. This means you may be able to deduct part of the premium from your taxes as a medical expense. In addition, the benefits you receive from a Partnership-qualified long-term care policy are generally not taxable as income.

Only agents who have completed training required by the Texas Department of Insurance (TDI) may sell Partnership-qualified policies.

Where to Buy

Not all insurance agents or insurance companies sell Texas Long-Term Care Partnership-qualified policies. The Texas Department of Insurance provides a list of the insurance companies External Link that sell Texas Partnership-qualified policies.