Louisiana Long-Term Care

Specific long-term care information pertaining to Louisiana.

Important State Information

Federal Partnership Program

The State of Louisiana has joined most states in the federal/state long-term care partnership program to help its residents protect their hard-earned assets from the high costs of long-term health care.

The program, approved by state law and authorized by the federal Deficit Reduction Act (DRA)of 2005, offers individuals a way to protect their assets in the event they exhaust the benefits in their qualified long-term care insurance policy. This allows the person to access long-term care Medicaid services without the normal spend-down requirements. The initiative encourages citizens to partner with the state-based program as they purchase qualified private long-term care insurance policies.

Policy Example

The Louisiana Long-Term Care Partnership Program provides asset disregard equal to the total amount of benefits paid by your LTC insurance policy. For example, if your policy paid $275,000 in benefits, the state will disregard that amount from the required spend-down. A single person must spend-down to $2000 in total assets to normally qualify for Medicaid’s long-term care benefits. If the person had $300,000 in assets, they would have to spend $298,000. However, if that person’s policy paid $275,000 before it was exhausted and the individual still needed long-term care, the state would ignore that $275,000. The spend-down would only be $23,000 (300,000- 277,000 [275,000 paid in benefits, + the 2000 Medicaid allows]). This protects your estate from total spend-down. 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 Louisiana. This means if you move from or to Louisiana your partnership asset protection follows you as well.


Long-Term Care Medicaid spend down is $2,000. A spouse’s minimum asset allowance is $128,640. Your spouse’s minimum monthly income allowance is $3,216. * The home equity limit is $595,000.

For more information about the Medicaid program visit www.medicaid.gov.

Rate Stability Rules

In addition, Louisiana 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 Louisiana

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

Tax Incentives

Louisiana offers a state tax credit if you have a long-term care insurance policy. The credit is against the individual income tax for amounts paid as premiums for eligible LTC insurance. The amount of the credit shall be equal to 10% of the total amount of premiums paid annually by each individual claiming the credit and must meet the specified qualification requirements.

*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.

Louisiana state emblem
State Breakdown
State Partnership Program
State Tax Incentives
Federal Tax Incentives
Rate Stability Rules
Medicaid Spend Down $2,000
Minimum Asset Allowance $128,640
Minimum Monthly Income Allowance $3,216

Calculate the Cost of Care in Louisiana

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

Louisiana Median
Long-Term Care 2019 2034(+16 Years) 2019 2034(+16 Years)
Homemaker Services $37,706 $58,745(+$22,137) $38,601 $60,140(+$22,663)
Home Health Aide $37,706 $58,745(+$22,137) $37,706 $58,745(+$22,137)
Adult Day Care $16,871 $26,285(+$9,905) $16,068 $25,033(+$9,433)
Assisted Living Facility $43,878 $68,360(+$25,760) $42,039 $65,496(+$24,681)
Semi-Private Room $64,663 $100,743(+$37,963) $64,663 $100,743(+$37,963)
Private Room $68,498 $106,718(+$40,215) $66,919 $104,258(+$39,288)

Long-Term Care Throughout Louisiana

New Orleans

New Orleans is the largest metro area in the state of Louisiana. The average skilled nursing facility cost runs $5,931 a month. The cost of an Assisted Living Facilityaverages $3,610 a month. Adult Day Care Centers average $1,235 a month. Care at home, based on a 44-hour week, averages $3,051 a month.

More Locations

Other population centers in the state include Baton Rouge, Bossier City, Kenner, Lafayette, Lake Charles, Metairie, and Shreveport.