Alabama Long-Term Care: What you need to know

Employers have no obligation under Alabama law to offer long-term care insurance to their employees. However, if long-term care insurance is among the benefits offered, certain state law requirements limit how the plan may be designed (Ala. Admin. Code r. 482-1-091-.01et seq.).
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Group long-term care insurance issued in Alabama must provide covered individuals with a basis for continuation or conversion of coverage (Ala. Admin. Code r. 482-1-091-.06).
The premiums paid for a qualified long-term care insurance policy are deductible from income for purposes of calculating Alabama income tax (AL Code Sec. 40-18-15). To qualify for the deductions, the policy must:
• Offer coverage only for qualified long-term care services and benefits incidental to the coverage;
• Provide for guaranteed renewal;
• Have no cash surrender value; and
• Provide that all refunds of premiums and all policyholder dividends or similar amounts are to be applied to reduce future premiums or to increase future benefits (AL Code Sec. 27-47-2).
“Qualified long-term care services” includes care for necessary diagnostic, preventive, therapeutic, and rehabilitative services and maintenance, assisted living, or personal care services required by a chronically ill individual in a qualified facility, or services provided pursuant to a plan of care prescribed by a licensed healthcare practitioner (AL Code Sec. 27-47-1).
The Alabama Long-Term Care Insurance Partnership Program is designed to encourage individuals to purchase long-term care insurance by offering a plan that will allow Medicaid to disregard some or all of the person's ...

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Alabama Long-Term Care Resources

Policies Elder Care Policy (Standard)

Long-Term Care Products

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