In addition, every Partnership Policy, including certificates issued under a group insurance policy,
must provide the following inflation protection required by 42 U.S.C. § 1396p(b)(1)(C)(iii)(IV)(aa)–(cc):
(aa) If the policy is sold to an individual who has not attained age 61 as of the date of
purchase, the policy must provide compound annual inflation protection.
(bb) If the policy is sold to an individual who has attained age 61 but has not attained
age 76 as of such date, the policy must provide some level of inflation protection; and
(cc) If the policy is sold to an individual who has attained age 76 as of such date, the policy
may (but is not required to) provide some level of inflation protection.
Insurer Certification Form
An insurer that requests the Director’s certification that a long-term care insurance policy qualifies as
a Partnership Policy must fully and accurately complete the Insurer Certification Form (Attachment A).
The individual completing the Insurer Certification Form must be an officer of the insurer with the
authority to bind the insurer. An insurer must use this form when requesting certification for any
policy, whether it is: (i) a previously approved policy; (ii) a new policy submitted for first time
approval; or, (iii) an exempt policy. After reviewing an Insurer Certification Form for a long-term care
policy, the Director will notify the insurer whether the policy qualifies as a Partnership Policy. The
Director also will send written notice to AHCCCS of every policy that qualifies as a Partnership Policy.
Partnership Policy Marketing Disclosure Requirements.
An insurer or producer who markets or offers to sell a Partnership Policy in Arizona must provide to
each prospective applicant the “Pre-purchase Notice” (Attachment B to this Regulatory Bulletin). The
insurer or producer shall attach the Pre-purchase Notice to the front of either the first page or the
second page of the Outline of Coverage. An insurer that issues or issues for delivery in Arizona a
Partnership Policy must attach to the front of either the first page or the second page of the policy the
Post-purchase Notice (Attachment C to this Regulatory Bulletin). In the case of a group Partnership
Policy, the insurer shall attach the notice to the front of either the first or second page of each
certificate delivered to a certificate holder.
Partnership Policy Retroactivity.
Arizona’s participation in the Program was effective July 1, 2008. If an insurer receives certification of
a previously approved policy, any Arizona policyholder who purchased that policy on or after July 1,
2008 qualifies for the Program’s special rules for determining financial eligibility for Medicaid long-
term care assistance. The insurer must deliver the Post-purchase Notice (Attachment C) to each
such policyholder within 30 days after the Director notifies the insurer that the policy qualifies as a
Partnership Policy.
Policy Exchanges
An insurer that chooses to do so may exchange an insured’s non-Partnership Policy for a Partnership
Policy and may issue the Partnership Policy based on underwriting criteria and premium rates in
effect on the date of the exchange.
Insurers do not need to file Attachment A (Insurer Certification Form), Attachment B (Pre-purchase
Notice) or Attachment C (Post-purchase Notice) with the Department for review and approval before
use. Insurers may not make any changes to any of these attachments before use.
Please address any questions about this Regulatory Bulletin to Karen Duffy at 602-364-2393 or