Alabama Long Term Care Insurance Information

Alabama is known for providing above average nursing facility services, with 220 nursing facilities in the state receiving support from the Alabama Cares Program.

In terms of gender, there are more females in Alabama, with 52% recorded in the state population. Based from a survey conducted by the Kaiser Family Foundation, approximately 34% of 4,776,000 residents are adults with children.

Lung cancer is a leading cause of death in the state, with 472.9 fatalities per 100,000 individuals recorded last 2009. However, 58% of male smokers and 62% of female smokers have already exerted some effort to quit from the vice.

Alabama is ranked 46^th in America’s Health Rankings. 12.9% of the adult population in the state has been recorded to deal with diabetes; 33.5% were reported to be obese. Air pollution has increased from the initial 40^th standing to the 34^th place last year.

Some health state accomplishments that Alabama has done are lowering the incidence of binge drinking among adults and increasing its per capita public health funding.

Average Cost of Long Term Care Services in Alabama

Annual costs (2016) for LTC services in Alabama are as follows:

Home Health Aide (Daily Rate): $103

Nursing Home Care (Daily Rate, Semi-Private Room): $195

Nursing Home Care (Daily Rate, Private Room): $206

Assisted Living Facility (Monthly Rate, 1 Bedroom-Single Occupancy): $2,900

Alabama Long Term Care Partnership Program

Alabama has an approved state LTC partnership program, which was approved by the U.S. Department of Health and Human Services last March 1, 2009. The state will honor partnership from other DRA (Deficit Reduction Act) partnership states.

What is a Long Term Care Partnership Program?

The partnership program is designed to encourage people to purchase long-term care insurance by providing a plan that will allow Medicaid to disregard some or all assets for Medicaid eligibility and estate recovery purposes. Through partnership plans, people will receive asset protection whenever policy benefits are exhausted and will need continued benefits through Medicaid.

Partnership qualified insurance policies allow their holders a much easier time of applying for Medicaid when their current policy benefits have run out. Instead of needing to reach below the asset threshold set by the federal health care program, policy owners can protect an amount of assets equal to their total benefits – allowing them to continue receiving care without the risk of losing their assets to Medicaid estate recovery procedures.

For insurance policies to be certified as Partnership policies in Alabama, the Deficit Reduction Act of 2005 has set a number of requirements that must be met:

• Issue Date: The policy must be issued after the effective date of the Partnership Program in the state (March 1, 2009).
• State of Residence: The policyholder must be a resident in Alabama at the time the coverage became effective.
• Inflation Protection: All Partnership policies must include inflation protection. Policies issued to individuals under age 61 must provide compound annual inflation protection. Policies sold to individuals who have attained age 61 but not yet attained age 76 must include some level of inflation protection. Inflation protection may be offered, but is not required to individuals who have attained age 76.
• Qualified under Federal Tax Law: All Partnership policies must adhere to the definition of a Long Term Care Insurance policy in section 7702B (b) of the Internal Revenue Code of 1986.
• Consumer Protection: The policy must adhere to the requirements defined in section 1917(b)(1)(C)(iii)(III) of the Social Security Act (42 U.S.C. section 1396p(b)(1)(C)(iii)(III).

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