Nebraska Long-Term Care

Specific long-term care information pertaining to Nebraska.

Important State Information

Federal Partnership Program

The State of Nebraska participates in the federal/state long-term care partnership program established under the authority of the Deficit Reduction Act of 2005. The program offers additional asset protection, known as “dollar-for-dollar” asset protection if you have a qualified long-term care insurance policy.

A Nebraska Long-Term Care Partnership Policy is a tax-qualified long-term care policy (group insurance contracts include a certificate with policy issue) which would result in an asset disregard. For the purpose of determining the policyholder's eligibility for Medicaid after the policy benefits are exhausted, the asset disregard is equal to the amount of long-term care benefits received under a Nebraska Partnership Policy.

Policy Example

This allows a person to keep assets equal to the amounts received under a qualified Nebraska Partnership Policy without affecting the person’s eligibility for Medicaid. So, if your Nebraska Partnership Long-Term Care policy pays out $425,000 in benefits you would have $425,000 in asset disregard above the normal allowance when they compute your eligibility for the Medicaid 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 Nebraska.  This means if you move from or to Nebraska your partnership asset protection follows you as well.


Long-Term Care Medicaid spend down is $4,000. 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

Products Approved in Nebraska

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

Tax Incentives

There is a state tax incentive, in addition to federal tax incentives, to encourage consumers to purchase a qualified long-term care insurance policy.

The law allows a state income tax deduction for The Nebraska Long-Term Care Savings Plan contribution of up to $2,000 per married filing jointly returns or $1,000 for any other return, to the extent not deducted for federal income tax purposes.

*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.

Nebraska state emblem
State Breakdown
State Partnership Program
State Tax Incentives
Federal Tax Incentives
Rate Stability Rules
Medicaid Spend Down $4,000
Minimum Asset Allowance $25,728
Minimum Monthly Income Allowance $2,113.75

Calculate the Cost of Care in Nebraska

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

Nebraska Median
Long-Term Care 2019 2034(+16 Years) 2019 2034(+16 Years)
Homemaker Services $55,381 $86,282(+$32,514) $56,559 $88,118(+$33,206)
Home Health Aide $56,559 $88,118(+$33,206) $56,559 $88,118(+$33,206)
Adult Day Care $19,215 $29,936(+$11,281) $13,152 $20,490(+$7,721)
Assisted Living Facility $47,515 $74,027(+$27,896) $40,046 $62,391(+$23,511)
Semi-Private Room $85,341 $132,958(+$50,103) $71,431 $111,286(+$41,936)
Private Room $89,807 $139,916(+$52,725) $75,190 $117,144(+$44,144)

Long-Term Care Throughout Nebraska


Omaha is the largest city in the state of Nebraska. The average cost of a skilled nursing facility runs $7,330 a month. The cost of an Assisted Living Facilityaverages $4,285 a month. Adult Day Care Centers average $1,354 a month. Care at home, based on a 44-hour week, averages $4,767 a month.


Lincoln is the second-largest area in the state. The average cost of a skilled nursing facility runs $8,976 a month. The cost of an Assisted Living Facilityaverages $5,429 a month. Adult Day Care Centers average $1,026 a month. Care at home, based on a 44-hour week averages $4,481 a month.

More Locations

Other population centers in Nebraska include Bellevue, Columbus, Fremont, Grand Island, Hastings, Kearney, Norfolk, North Platte, and Papillion.