Tax & Partnership
IRS LTCI deduction limits, HSA contributions, tax-free benefits, and state LTC Partnership Program modeling.
Tax Efficiency & Partnership Programs
LTCI premiums are tax-deductible up to age-based IRS limits ($5,880 for age 60-70 in 2026). We model the after-tax cost of each strategy based on your income and filing status. For states with LTC Partnership Programs (43 states participate), we model the dollar-for-dollar Medicaid asset protection and compute the effective return on partnership-qualified policies.