​California Partnership for Long Term Care

The California Partnership for Long Term Care is a collaborative effort, a program, between several private insurers and the State of California. It provides additional protection and assurances if you or a loved one becomes one of the two-thirds of Californians who will eventually need some form of long term care. Call Sackrison Insurance at (707) 931-0186 for a review today.

​Who can help me apply for a California Partnership for Long Term Care plan?

Bruce Sackrison is a certified California Partnership for Long Term Care agent. That means that he has been trained to help you with this additional option for long term care insurance. But he is more than that. Bruce is an experienced agent who knows how to listen to you first, before recommending a specific policy. He will put your needs first, even if that means not making a sale. Here is a great article about what you should look for in an agent.

​Can Bruce come to my home or office to meet with me?

Yes. If you live in Napa, CA, or Sonoma, Fairfield, Vallejo, Santa Rosa, Benicia or Vacaville, Bruce can schedule an appointment with you to sit down and explain your options.

​What makes a California Partnership for Long Term Care policy unique?

Very simply put, the Partnership program provides lifetime asset protection. Most long term care policies have benefit limits. Many that do offer “lifetime benefits” charge a larger premium for this “blank check. They have to. So in other words, your long term care policy may have a 3 or 5 year benefit limit, or a maximum lifetime benefit limit. What happens then? Well, what generally happens is that those assets you bought the policy to protect, may be at risk. Before qualifying for Medi-Cal, you may have to liquidate the life savings and assets that you had hoped would go to your loved ones. But a California Partnership for Long Term Care plan can offer “lifetime asset protection” as a unique feature of the policy (there are of course, certain policy limits to the “asset protection”). Talk to Bruce Sackrison about the limits and qualifications related to the the partnership plan.

​How does a Partnership plan work?

Your California Partnership for Long Term Care approved policy will do what all good long term care policies do – pay covered expenses when you need it to pay them (subject to policy provisions of course). But in the situations where the policy has exhausted its benefits, and you start having to dip into your personal assets, the Medi-Cal “spend down” rules are altered in your favor. You may still have to contribute a part of your income toward your care, but every dollar paid out in benefits by your policy counts as a dollar of assets that you get to keep while still qualifying for Medi-Cal assistance. Here is an excellent brochure published by the State of California explaining more of the details of the California Partnership for Long Term Care. Call Bruce Sackrison at (707) 931-0186 to set up an appointment to discuss your long term care insurance options.