How long-term care coverage shields your savings, your home, and your family's inheritance — including the Texas Partnership feature.
You spent decades building your savings, paying off the house, planning what you'd leave the kids. A long care event is one of the few things that can unwind all three at once. Here's how coverage keeps what you built where you intended it.
The spend-down problem
Long-term care is paid three ways: your money, your insurance, or Medicaid. Without insurance, families pay from savings until savings run low — that's the "spend-down" — and only then does Medicaid step in, with strict income and asset limits and less choice about where care happens.
What coverage changes
- Your savings pay for retirement, not care.
- Your home stays an inheritance, not a funding source.
- Your spouse's lifestyle is protected.
The Texas Partnership advantage
Texas participates in the Long-Term Care Partnership Program: qualified Partnership policies let you protect assets dollar-for-dollar. In plain English — if a qualified policy pays out $300,000 in benefits, roughly $300,000 of your assets can be disregarded if you ever apply for Medicaid later (program details and qualification rules vary; I'll walk you through the specifics).
Worth a conversation? Asset protection is where LTC planning stops being an insurance question and becomes an estate question. 713-498-6800 — no pressure, ever.