Updated September 6, 2026. Quick answer: Yes. Michigan participates in the federal Long-Term Care Partnership Program, using a dollar-for-dollar asset-protection model, under Mich. Comp. Laws Section 400.112c (Michigan Long-Term Care Partnership Program, established by 2006 PA 674); Michigan Dept. of Insurance and Financial Services (DIFS).
How the asset protection works
Michigan uses a dollar-for-dollar asset-protection model: an amount of Medicaid-countable assets equal to what a qualified Partnership policy actually paid out is protected (disregarded) both when applying for Medicaid and later in Medicaid estate recovery. Mich. Comp. Laws Section 400.112c (Michigan Long-Term Care Partnership Program, established by 2006 PA 674); Michigan Dept. of Insurance and Financial Services (DIFS) is the governing citation. In the state’s own words: “The department of community health shall pursue reciprocal agreements with other states to extend the asset disregard to Michigan residents who purchased long-term care partnership policies in other states that are compliant with title VI, section 6021 of the federal deficit reduction act of 2005, Public Law 109-171, and any applicable federal regulations or guidelines.”
What the state itself says about moving
Michigan’s own program materials address this directly, describing it this way: The department of community health shall pursue reciprocal agreements with other states to extend the asset disregard to Michigan residents who purchased long-term care partnership policies in other states that are compliant with title VI, section 6021 of the federal deficit reduction act of 2005, Public Law 109-171, and any applicable federal regulations or guidelines.
Which policies qualify
Michigan’s own materials tie the program to policies issued on or after 2006 (or the date its state plan amendment took effect that year). A long-term care policy bought before that cutoff is not automatically Partnership-qualified in Michigan even if it otherwise looks similar; the policy’s own rider or outline of coverage should say “Partnership” or “Qualified State Long-Term Care Insurance Partnership” explicitly.
Estate recovery, not just eligibility
The federal rule requires the same protected amount to be disregarded twice: once when Michigan decides Medicaid eligibility, and again later if Michigan pursues Medicaid estate recovery against the person’s estate. A Partnership-qualified policy is doing two jobs, not one; see how estate recovery itself works in Michigan.
A note on sourcing: legislature.mi.gov direct fetch returned 403; statute text obtained via search indexing of the official page, cross-checked against a Justia mirror.
| Federal Partnership framework itself | 20 years old (in place since February 8, 2006) |
| Federal inflation-protection buyer-age brackets | compound protection required under age 61; some protection required age 61 to age 76 |
| Michigan’s own cutoff (since 2006) | 20 years old |
| This state’s core mechanism | protects $1 of assets for every $1 the policy pays out |
| State citation | Mich. Comp. Laws Section 400.112c (Michigan Long-Term Care Partnership Program, established by 2006 PA 674); Michigan Dept. of Insurance and Financial Services (DIFS) |
| Federal authority | 42 U.S.C. § 1396p(b), Deficit Reduction Act of 2005 |
| Participates | Yes |
| Confidence | Medium |
For the federal rules behind this state page, see how Partnership reciprocity works when you move states and why inflation protection is a condition of staying Partnership-qualified.
Every citation on this page was read directly from the state’s own Insurance Department, Medicaid agency, statute, or administrative code this session (or, where that site could not be reached, from an independently cross-checked legal-database mirror of the same codified text, disclosed below). General information, not insurance, legal, or tax advice on any specific policy or application; program rules and reciprocity agreements can change, and your state’s Insurance Department or Medicaid agency has the final say.