LTC Insurance Premium Deduction (Archive)

Deduct health insurance premiums actually incurred in a month by the client from the LTC income calculation.

Note:  Do not use this deduction for clients determined to have a Combination LTC/Medical Spenddown.

l  Only allow the client’s portion of the premium as a deduction.

l  Do not allow this deduction if the county agency is paying or reimbursing the client for the insurance premium.

l  These premiums do not have to be cost-effective to allow them as a deduction.

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