Alabama's Long-Term Care Insurance Comparison Site

Alabama has a state Partnership Program, passed by the Alabama Legislature in 2008 and signed by Gov. Bob Riley. This means that residents of Alabama may have not only the helpful benefits of an LTC policy available, but also the peace of mind in knowing that the state provides a "backstop" in the event of a long claim that depletes your insurance policy's benefits. Beyond what your policy pays, there may be Alabama Medicaid (www.medicaid.alabama.gov) benefits available to continue paying for care without requiring you spend down all of your assets to $2,000.

Compare Side-by-Side Long-Term Care Plans in 3 Minutes

The Alabama LTC Partnership program provides dollar-for-dollar asset protection which means a private policy may pay the first $500,000, for example, leaving $500,000 in assets to the insured to be disregarded by the state of AL. The main requirement for this benefit is outlined at the state's site. Your policy must include the following type of inflation protection:

For ages 60 or younger – provides compound annual inflation protection

For ages 61 thru 75 - provides some level of inflation protection

For ages 76 and older – no purchase of inflation protection is required

Request an Alabama Long Term Care Insurance Partnership quote today from LTC Tree and one of our licensed agents will assist you in this important Long Term Care planning subject.