Updated September 6, 2026. Quick answer: Yes. New York participates in the federal Long-Term Care Partnership Program, using a total-asset (unlimited) protection model on some policies, alongside dollar-for-dollar policies, under NYS Partnership for Long-Term Care (NYSPLTC), NY Dept. of Health. The program still exists in New York law, but the state’s own materials say no insurer is currently selling new Partnership-qualified policies there. Existing policyholders keep their protection; someone shopping today cannot buy a new New York-issued Partnership policy.
How the asset protection works
New York uses a total-asset (unlimited) protection model on some policies, alongside dollar-for-dollar policies: 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. NYS Partnership for Long-Term Care (NYSPLTC), NY Dept. of Health is the governing citation.
What the state itself says about moving
New York’s own program materials address this directly, describing it this way: In reciprocal states, Total Asset Plans will be considered Dollar for Dollar Plans, or plans that allow for the disregard of assets under Medicaid up to the total amount of benefits paid out by the insurer on behalf of the covered person. Any state participating in the Compact agrees to recognize Medicaid Asset Protection earned by a Partnership policyholder from any other state who is a member of the Compact.
Which policies qualify
New York’s own materials tie the program to policies issued on or after 1993 (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 New York 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 New York decides Medicaid eligibility, and again later if New York 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 New York.
| 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 |
| New York’s own cutoff (since 1993) | 33 years old |
| This state’s core mechanism | protects $1 of assets for every $1 the policy pays out |
| State citation | NYS Partnership for Long-Term Care (NYSPLTC), NY Dept. of Health |
| 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.