NY and IL are the only states that have total asset protection as an option for the partnership policies. To keep the TAP, you need to qualify for medicaid in one of those two states. If you go to one of the $/$ states, that is all you will get. Reciprocity will not give you the TAP in a $/$ state.if we did not have total asset protection i would have not done it . that makes the policy worth it for the perks and not just the payout amount of the insurance.
i tried to see what other states offer total asset protection and not just a dollar for a dollar but couldn't find a list .
I think the TAP would have made the LTCi something I likely would seriously consider.