North Dakota Long Term Care Insurance Information

North Dakota is considered to provide excellent nursing home care services, with nationwide rank of 6^th place in the Medicare 5 Star Quality rating system. There are 80 certified nursing homes in the state, with 6,013 beds available to cater to senior citizens in the area.

As per America’s Health Rankings, the state of North Dakota struggles with a high prevalence of obesity cases, which in turn results to health conditions such as diabetes. Additionally, there are numerous reports of occupational fatalities in the state. However, the state is primarily acknowledged for having good quality air, few days of poor physical health, and a low rate of drug-related deaths.

A 2015 census revealed that there are 756,927 residents in North Dakota. Unlike other states, males outnumber female residents (48.6% for women). Individuals 65 years and above make up 14.2% of the total population.

Average Cost of Long Term Care Services in North Dakota

Costs (2016) for LTC services in North Dakota are as follows:

Home Health Aide (Daily Rate): $175

Nursing Home Care (Daily Rate, Semi-Private Room): $359

Nursing Home Care (Daily Rate, Private Room): $354

Assisted Living Facility (Monthly Rate, 1 Bedroom-Single Occupancy): $3,340

North Dakota Long Term Care Partnership Program

North Dakota has an approved state LTC partnership program. The program was approved by the U.S. Department of Health and Human Services last January 1, 2007. 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 North Dakota, 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 (January 1, 2007).
• State of Residence: The policy holder must be a resident in North Dakota 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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