A snapshot of the Georgia Long-Term Care Partnership

A Program Of The Georgia Department Of Community Health
A SNAPSHOT OF THE

Georgia Long-Term Care Partnership

Background
About two-thirds of all Americans will likely need some type of supportive services after age 65. The average rate for a semi-private room in a Georgia nursing home

2009 Average LongTerm Care Costs in U.S.

in 2009 was $149 a day, or more than $54,385 per year. Approximately 85,000 eligible Georgians currently depend on Medicaid to pay their long-term care costs. To be eligible for Medicaid assistance, a person must have very few assets.
What is Long-Term Care (LTC)?
Long-term care services may include medical, social, housekeeping or rehabilitation services needed over months or years to improve or maintain

$198/day for a semi-private room in a nursing home
$219/day for a private room in a nursing home
$3,131/month for care in an Assisted Living Facility (for a one-bedroom unit)
$21/hour for a Home Health Aide

health and a level of personal independence. Such services are provided in nursing homes, own home or assisted living.
What is The Georgia Long-Term Care Partnership?

$19/hour for a Homemaker services $67/day for care in an Adult Day Health Care Center
Source: www.longtermcare.gov

The Georgia Long-Term Care Partnership is designed to reward Georgians

who plan ahead by purchasing long-term care insurance. This insurance

provides a Medicaid asset protection feature. This means that for every dollar a Long-Term Care Partnership

policy pays out in benefits, a dollar of assets can be protected (disregarded) from the LTC Medicaid asset limit

and Estate Recovery.

The Georgia LTC Partnership was established to:
Provide incentives for individuals to insure against the costs of providing for their LTC needs
Provide a mechanism for individuals to qualify for coverage of the cost of their LTC needs under the Medicaid program without first exhausting their resources
Provide counseling services, through the Division of Aging Services of the Georgia Department of Human Services
Alleviate the financial burden on the Georgia's Medicaid program by encouraging pursuit of private initiatives

Georgia LTC Partners
The Georgia Department of Community Health (DCH) administers the program. The Department of Human Services (DHS) Division of Aging Services has an information hotline. DHS also mobilizes a statewide team of specialists to answer public inquiries and build community awareness about Long-Term Care Partnership policies. The Office of the Commissioner of Insurance is monitoring agent licensing and the marketing of Partnership-approved policies.
Consumers may call 800-656-2298 toll free in Georgia or 404-656-2070 in the Metro Atlanta dialing area or visit the Office of Commissioner of Insurance Web site: www.gainsurance.org.
For more information on the Georgia Long-Term Care Partnership program, please call GeorgiaCares at 800-669-8387 or log onto www.mygeorgiacares.org. Or visit DCH's Long-Term Care Partnership page at www.dch.georgia.gov/galtcp.
2 Peachtree Street, Atlanta, Ga 30303 w www.dch.georgia.gov
January 2011