Kentucky Long-Term Care

Specific long-term care information pertaining to Kentucky.

Important State Information

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 $25,728 up to a maximum of one-half of countable assets up to $128,640. Your spouse’s minimum monthly income allowance is $2,113.75. * The home equity limit is $595,000.

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.

*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
Rate Stability Rules
Medicaid Spend Down $2,000
Minimum Asset Allowance $25,728
Minimum Monthly Income Allowance $2,113.75

Calculate the Cost of Care in Kentucky

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

Kentucky Median
Long-Term Care 2019 2034(+16 Years) 2019 2034(+16 Years)
Homemaker Services $47,133 $73,431(+$27,671) $50,079 $78,021(+$29,401)
Home Health Aide $48,311 $75,267(+$28,363) $50,079 $78,021(+$29,401)
Adult Day Care $18,077 $28,163(+$10,613) $19,282 $30,040(+$11,320)
Assisted Living Facility $43,507 $67,783(+$25,543) $42,395 $66,050(+$24,890)
Semi-Private Room $84,589 $131,787(+$49,662) $83,085 $129,444(+$48,779)
Private Room $93,988 $146,429(+$55,179) $95,867 $149,358(+$56,283)

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 $7,817 a month. The cost of an Assisted Living Facilityaverages $3,498 a month. Adult Day Care Centers average $1,430 a month. Care at home, based on a 44-hour week, averages $4,385 a month.


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 $8,175 a month. The cost of an Assisted Living Facilityaverages $4,050 a month. Adult Day Care Centers average $1,408 a month. Care at home, based on a 44-hour week, averages $4,004 a month.

More Locations

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