Bravo to Steve Moses for taking a year out of his life to raise awareness about the importance for planning for long-term care!! A new program coming to Tennessee is the Long-Term Care Partnership that will reward people for buying even a little long-term care insurance. For every dollar in benefits paid out, one can shelter a dollar of assets in case it becomes necessary to apply for the Medicaid LTC benefit - plus Partnership policyholders get all the choices of private-pay patients as long as they are able to stay off Medicaid!