Kentucky Long-Term Care Resources

Discover state-specific information on long-term health care costs, taxes, rules, care options, and other information for Kentucky residents.

State Information

Kentucky participates in the national long-term care partnership program that gives those with a qualified Long-Term Care Insurance policy dollar-for-dollar asset protection. Quality care options are available statewide, and several insurance solutions are available.

While many qualified care providers are available throughout Kentucky, costs are rising due to the increasing demand. These rapidly increasing costs for care services throughout the state are becoming burdensome on residents and their families for those who do not have Long-Term Care Insurance.

The variety of quality care options available throughout Kentucky for those who require long-term health care services include:

  • adult day care centers
  • assisted living facilities
  • continuing care retirement communities
  • home health care providers
  • memory care facilities
  • rehabilitation facilities
  • traditional nursing homes

Top insurance companies have several insurance options to help residents safeguard income and assets, protect lifestyles, and preserve a legacy. Plus, policyholders will have access to quality care options giving loved ones the time to be family instead of caregivers.

Plus, all tax-qualified Long-Term Care Insurance policies in Kentucky have several consumer protections in addition to federal tax benefits.

Federal Partnership Program

The Commonwealth of Kentucky participates in the national long-term care partnership program authorized under the federal Deficit Reduction Act of 2005. The Kentucky Long-Term Care Insurance Partnership Program is an agreement between the state government and private insurance companies to assist consumers in planning for their long-term care (LTC) needs. The program was designed to increase awareness of issues related to long-term care, to create ways to reduce Medicaid costs for nursing, home care, and to provide an incentive to consumers to purchase qualified long-term care policies to protect assets from Medicaid spend-down requirements.

These policies provide benefits for care at home or in a facility, in addition to the asset protection of the partnership program. Generally, an unmarried person would not qualify for Medicaid until he/she has assets of $2,000 or less. For example, if you have $100,000 in assets (stocks, bank accounts, etc.),

Medicaid would require you to spend $98,000 in assets before you could be eligible for benefits. However, if you have a long-term care partnership policy that paid $50,000 in benefits, Medicaid would disregard $50,000 meaning you would be required to spend $48,000 before being eligible.

Policy Example

Keep in mind that asset protection (also known as asset disregard) is based on the amount the insurance company pays in benefits, not the value of the policy or the amount of premiums you have paid. So, if your policy paid $350,000 in benefits your asset disregard is worth $350,000. 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 Kentucky. This means if you move from or to Kentucky your partnership asset protection follows you as well.


Long-Term Care Medicaid spend down is $2,000. A spouse’s minimum asset allowance is minimum of $26,076 up to a maximum of one-half of countable assets up to $130,380. Your spouse’s minimum monthly income allowance is $2,155. * The home equity limit is $603,000.

For more information about the Medicaid program visit

Rate Stability Rules

In addition, Kentucky 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 Kentucky

There are several products approved in Kentucky for Long-Term Care planning. These include traditional plans, including partnership certified policies, short-duration policies, and asset-based “hybrid” plans.

Tax Incentives

The Commonwealth of Kentucky also offers state tax incentives to encourage consumers to buy policies. A taxpayer may deduct from Kentucky Adjusted Gross Income any amounts paid for LTC insurance as defined in the Kentucky Code.

Reverse Mortgages in Kentucky

Reverse mortgages are available in Kentucky. A reverse mortgage is a home equity loan where the borrower does not have to make payments.

This type of mortgage can increase monthly income, eliminate mortgage payments, and even fund Long-Term Care Insurance. However, Kentucky has many rules on these products, and you should seek the help of a qualified and licensed mortgage broker. 

If you have significant equity in your home and you and your spouse are at least 62 years old, you can get a reverse mortgage to turn your equity into funding long-term health care, pay for an LTC Insurance policy, pay bills and add to your retirement lifestyle.

The home must be the principal residence without any tax liens. 

Learn more about reverse mortgages by clicking here.

*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.

Kentucky state emblem

State Breakdown

State Partnership Program
State Tax Incentives
Federal Tax Incentives
Medicaid Spend Down $2,000
Minimum Asset Allowance $29,724
Minimum Monthly Income Allowance $2,289
Compare with All States

Kentucky Cost of Care Calculator

Calculate the costs of long-term care in your area. Use the slider below to calculate and compare the future costs of long-term care services in Kentucky to the national median.

Calculate future cost

(+ Years)

Use the slider to adjust the future year








Compare with your area

Select the location nearest you:

Long-Term Care Throughout Kentucky


Louisville is the biggest city in the Commonwealth of Kentucky, although part of the state is considered part of the Cincinnati, Ohio metro area, Louisville. The average skilled nursing facility cost runs $8,070 a month. The cost of an Assisted Living Facility averages $3,611 a month. Adult Day Care Centers average $1,476 a month. Care at home, based on a 44-hour week, averages $4,527 a month.

Remember, assisted living cost estimates are for base costs. These long-term health care facilities will also have surcharges that will be added to the bill based on additional services that the care recipient requires. 


Lexington KentuckyLexington is the second-largest city in the state. The home for horse farms, as well as the University of Kentucky, combines a large city and suburbs with old Kentucky charm.  The average skilled nursing facility cost runs $8,1439 a month. The cost of an Assisted Living Facility averages $4,181 a month. Adult Day Care Centers average $1,454 a month. Care at home, based on a 44-hour week, averages $4,134 a month.

More Locations

Other large population centers in Kentucky include Bowling Green, Owensboro, Covington, Richmond, Georgetown, Hopkinsville, Florence, Elizabethtown, and Paducah.

LTC News Trusted & Verified

Work With a Trusted Specialist

Get Accurate Long-Term Care Insurance Quotes

  • Has substantial experience in Long-Term Care Insurance
  • Strong understanding of underwriting, policy design, and claims experience
  • Represents all or most of all the leading insurance companies
man and woman sitting at desk
  • Latest

  • Oldest

  • Homecare

  • Health

  • Government

  • Care Facilities

  • Pets

  • People

  • Lifestyle

  • Insurance

No Results - Try refining your search

Step 1 of 4

Find a Specialist

Get Started Today

Trusted & Verified Specialists

Work with a trusted Long-Term Care Insurance Specialist Today

  • Has substantial experience in Long-Term Care Insurance
  • A strong understanding of underwriting, policy design, and claims experience
  • Represents all or most of all the leading insurance companies

LTC News Trusted & Verified

Compare Insurers