Anyone looked into the LTC Partnership programs that have been enacted by states?
Long-Term Care Insurance Partnership Programs
on the surface, it appears to double the coverage of the policy before the state would make one spend down assets. Is that how this works?
Does it protect the assets on the front-end or on the back-end. For example: does medicaid pay for services up to the amount of the policy before any spend-down of assets or does it just reduce the spend-down before medicaid kicks in?