Vermont Long-Term Care

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A Long-Term Care Partnership Program is a public-private partnership between states and private insurance companies, designed to allow consumers to have additional “dollar-for-dollar” asset protection if they have a partnership-qualified LTC insurance policy.

Vermont has made initial steps for a Long-Term Care Partnership Program but no policies are available at this time.

Long-Term Care Medicaid spend down is $2000. A spouse’s minimum asset allowance is $123,600.

Most states have reciprocity with other states' long-term-care partnership programs, however, Vermont has yet to make a determination. 

Vermont does not offer any state tax incentive for qualified long-term care insurance. Federal tax incentives are still available.

A variety of products are approved in Vermont for Long-Term Care planning.

Vermont Long-Term Care Costs

Home Health Aide Average Monthly Rate $5,148
Homemaker Services Average Monthly Rate $5,148
Adult Day Care Average Monthly Rate $2,947
Assisted Living Average Monthly Cost $4,500
Skilled Nursing Home Semi-Private Monthly $8,760
Skilled Nursing Home Private Average Monthly $9,292