Arkansas Long-Term Care

Important State Information

Federal Partnership Program

The State of Arkansas participates in the federal/state partnership program. The program was authorized when the federal Deficit Reduction Act of 2005 became law. It provides consumers with additional “dollar-for-dollar” asset protection if they exhaust the benefits from their qualified long-term care policy.

This “dollar-for-dollar asset protection” or “asset disregard” will impact the spend-down requirements if you exhaust the benefits from the policy. If you have a qualified Arkansas Partnership Long-Term Care insurance policy and exhaust all of your benefits you are able to protect your estate, based on the total amount of benefits paid by the policy, and still qualify for Medicaid.

Policy Example

For example, your policy pays out $375,000 in benefits but you are still alive and require care. You earn a Medicaid asset disregard that allows you to protect that same amount over the asset level you would otherwise be forced to meet in order to be eligible for Medicaid’s Long-Term Care benefit. The Partnership Program also protects those assets after death from Medicaid estate recovery.


Most states have reciprocity with other states' long-term-care partnership programs including Arkansas.


Long-Term Care Medicaid spend down is $2,000. A spouse’s minimum asset allowance is $25,284. Your spouse’s minimum monthly income allowance is $2,057.50. *

For more information about the Medicaid program visit

Rate Stability Rules

In addition, Arkansas consumers enjoy additional peace-of-mind as the state has adopted Long-Term Care Insurance Rate Stability Rules.  These rules, developed the National Association of Insurance Commissioners, makes it much harder for an insurance company to get an approved rate increase.

Products Approved in Arkansas

A variety of affordable products are approved in Arkansas for Long-Term Care planning. These include traditional partnership certified policies, limited-duration policies and asset-based “hybrid” plans.

Tax Incentives

The state of Arkansas permits the same tax deduction as is allowed for federal income tax purposes for premiums paid for the purchase of qualified LTC insurance. The federal tax incentives also apply.

*The federal government sets a new minimum and maximum amounts each year, but states can set their own minimum requirements at any level between the federal limits. This information is based on the best available sources.

Arkansas state emblem
State Breakdown
State Partnership Program
State Tax Incentives
Federal Tax Incentives
Rate Stability Rules
Medicaid Spend Down $2,000
Minimum Asset Allowance $25,284
Minimum Monthly Income Allowance $2,057.50
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Calculate the Cost of Care in Arkansas

View the costs of Long-Term Care in your area. Use the slider below to view future costs of care services with inflation.

Arkansas Median
Long-Term Care 2019 2034(+16 Years) 2019 2034(+16 Years)
Homemaker Services $42,420 $66,088(+$24,904) $51,846 $80,775(+$30,439)
Home Health Aide $44,611 $69,503(+$26,191) $52,435 $81,692(+$30,784)
Adult Day Care $21,424 $33,378(+$12,578) $27,680 $43,125(+$16,251)
Assisted Living Facility $37,536 $58,480(+$22,037) $44,496 $69,323(+$26,123)
Semi-Private Room $66,167 $103,086(+$38,846) $66,976 $104,346(+$39,321)
Private Room $73,987 $115,269(+$43,437) $84,589 $131,787(+$49,662)

Long-Term Care Throughout Arkansas

Little Rock

Little Rock is the largest metro area in the State of Arkansas. As you would expect, it features higher average costs than the rest of the state. The average skilled nursing facility is running $6,692 a month. Assisted Living averages $3,975 a month. Adult Day Care Centers average $2,080 a month. Care at home, based on a 44-hour week, averages $3,623 a month.


Fayetteville is the second-largest metro area in the state and home of the University of Arkansas campus. The average skilled nursing facility is the most expensive in Arkansas running an average of $6,844 a month. Assisted Living averages $3,600 a month. Adult Day Care Centers average $2,240 a month. Care at home, based on a 44-hour week, averages $4,242 a month.

More Locations

Other large population centers in Arkansas include Benton,  Bentonville, Conway, Fayetteville, Fort Smith, Jonesboro, Pine Bluff, Rogers.

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