Updated September 6, 2026. Quick answer: Yes. Indiana participates in the federal Long-Term Care Partnership Program, using a dollar-for-dollar asset-protection model, under Indiana Long Term Care Insurance Program (ILTCIP), Indiana Family and Social Services Administration, Quick Facts.
How the asset protection works
Indiana 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. Indiana Long Term Care Insurance Program (ILTCIP), Indiana Family and Social Services Administration, Quick Facts is the governing citation. In the state’s own words: “a minimum of $1 of asset protection is earned for every $1 of benefits used”
What the state itself says about moving
Indiana’s own program materials address this directly, describing it this way: A reciprocity agreement honors another state’s Partnership Medicaid asset protection on a dollar for dollar basis.
Which policies qualify
Indiana’s own materials, as read this session, did not state a specific policy-issue-date cutoff in so many words. The federal baseline (Deficit Reduction Act of 2005) only covers policies issued after February 8, 2006 in any Partnership state; ask the insurer directly whether a specific policy carries the Partnership designation rather than assuming from its purchase date alone.
Estate recovery, not just eligibility
The federal rule requires the same protected amount to be disregarded twice: once when Indiana decides Medicaid eligibility, and again later if Indiana 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 Indiana.
| 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 |
| This state’s core mechanism | protects $1 of assets for every $1 the policy pays out |
| State citation | Indiana Long Term Care Insurance Program (ILTCIP), Indiana Family and Social Services Administration, Quick Facts |
| Federal authority | 42 U.S.C. § 1396p(b), Deficit Reduction Act of 2005 |
| Participates | Yes |
| Confidence | High |
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.