Updated September 6, 2026. Quick answer: Yes. Kentucky participates in the federal Long-Term Care Partnership Program, using a dollar-for-dollar asset-protection model, under 806 KAR 17:083, Kentucky Long-Term Care Partnership Insurance Program.
How the asset protection works
Kentucky 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. 806 KAR 17:083, Kentucky Long-Term Care Partnership Insurance Program is the governing citation. In the state’s own words: “If the insured moves to a state outside Kentucky which has entered into a reciprocity agreement pursuant to 73 F.R. 51302, the policyholder may be eligible for asset disregard in that state”
What the state itself says about moving
Kentucky’s own program materials address this directly, describing it this way: If the insured moves to a state outside Kentucky which has entered into a reciprocity agreement pursuant to 73 F.R. 51302, the policyholder may be eligible for asset disregard in that state.
Which policies qualify
Kentucky’s own materials tie the program to policies issued on or after 2009 (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 Kentucky 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 Kentucky decides Medicaid eligibility, and again later if Kentucky 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 Kentucky.
| 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 |
| Kentucky’s own cutoff (since 2009) | 17 years old |
| This state’s core mechanism | protects $1 of assets for every $1 the policy pays out |
| State citation | 806 KAR 17:083, Kentucky Long-Term Care Partnership Insurance Program |
| 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.