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Office of Program Policy Analysis and Government Accountability

Increased Public Awareness of the Long-Term Care Insurance Partnership Program Would Contribute to the Program’s Success, Report No. 09-08, February 2009
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  • The Long-Term Care Insurance Partnership Program seeks to alleviate the financial burden on the state’s Medicaid program by encouraging individuals to purchase private long-term care insurance. Five state agencies are coordinating efforts to implement the program.
  • As of June 30, 2008, over 15,000 Floridians had partnership policies, obtained either by purchasing new policies or exchanging older policies for partnership long-term care policies. Prior to the program’s implementation in Florida, 465,800 residents were covered by long-term care insurance. Thus, the partnership program represents a relatively small proportion of total long-term care coverage for Florida residents.
  • Partnership policyholders were most frequently between the ages of 55 and 65 at the time they acquired policies. Most purchased three to five years of long-term care coverage. Policyholders’ maximum benefit coverage ranged from $54,000 to $1,440,000, with some policyholders purchasing unlimited benefits. Older policyholders paid higher premiums and purchased lower levels of coverage.
  • Several obstacles could affect the program’s success including a lack of public awareness and impediments to purchasing long-term care insurance.

Which Government Program Summaries contain related information?

Office of Insurance Regulation
Department of Elder Affairs
ACCESS Florida
Consumer Services
Medicaid Health Care Services

    Copies of this report in print or alternate accessible format may be obtained by telephone (850/488-0021), by FAX (850/487-9213), in person, or by mail (OPPAGA Report Production, Claude Pepper Building, Room 312, 111 W. Madison St., Tallahassee, FL 32399-1475).
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