Prudential Financial Inc. will be helping consumers in more states protect their assets against catastrophic long term care costs.

Prudential, Newark, N.J., says it has joined the Connecticut Partnership for Long-Term Care and the Indiana Insurance Program for Long-Term Care.

Prudential already participates in the New York LTC partnership program.

LTC partnership programs help consumers coordinate benefits from qualified private LTC insurance policies with Medicaid nursing home benefits.

Consumers who exhaust the benefits from qualified partnership policies have a legal right to keep at least some of their savings even if they end up using Medicaid nursing home benefits.

Congress included an LTC partnership program expansion provision in the Deficit Reduction Act of 2005.