Utah Long-Term Care

Specific long-term care information pertaining to Utah.

Important State Information

Federal Partnership Program

Effective October 1, 2014, Utah authorized participation in their federal/state long-term care partnership program. Utah Long-Term Care Insurance Partnership (LTCIP) policies are insurance policies that will pay for some or all of the client's long-term care medical needs while also allowing a form of asset and estate recovery protection for Medicaid purposes.

The program has yet to be fully implemented. At the moment, no insurance company has filed with the state to be partnership certified. When that happens, these qualified policies will provide dollar-for-dollar asset protection.

Policy Example

When available, a partnership policy provides dollar-for-dollar asset protection in the event you were to exhaust the benefits of your policy. For example, if your policy pad $350,000 in benefits you would have an equal amount of asset-protection when determining your eligibility for Medicaid’s Long-Term Care benefit.


Most states have reciprocity with other states' long-term-care partnership programs including Utah. This means if you move from or to Utah 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 www.medicaid.gov.

Rate Stability Rules

In addition, Utah 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 Utah

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

Tax Incentives

Utah does not offer any state tax incentive for qualified long-term care insurance. However, federal tax incentives are available.

*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.

Utah 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 Utah

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

Utah Median
Long-Term Care 2019 2034(+16 Years) 2019 2034(+16 Years)
Homemaker Services $51,846 $80,775(+$30,439) $48,311 $75,267(+$28,363)
Home Health Aide $51,846 $80,775(+$30,439) $47,133 $73,431(+$27,671)
Adult Day Care $12,453 $19,401(+$7,311) $32,136 $50,067(+$18,867)
Assisted Living Facility $41,406 $64,509(+$24,309) $36,462 $56,807(+$21,407)
Semi-Private Room $75,190 $117,144(+$44,144) $72,371 $112,751(+$42,488)
Private Room $93,988 $146,429(+$55,179) $75,190 $117,144(+$44,144)

Long-Term Care Throughout Utah

Salt Lake City

Salt Lake City is the largest metro area in Utah. The average cost of a skilled nursing facility runs $8,517 a month. The cost of an Assisted Living Facilityaverages $3,600 a month. Adult Day Care Centers $1,067 a month. Care at home, based on a 44-hour week, averages $4,767 a month.

More Locations

Other population centers include Cedar City, Clearfield, Logan, Ogden, Oren, Provo,  St. George