{"id":4348,"date":"2025-12-11T15:17:08","date_gmt":"2025-12-11T23:17:08","guid":{"rendered":"https:\/\/www.thescanfoundation.org\/?post_type=resource&p=4348"},"modified":"2025-12-11T15:21:12","modified_gmt":"2025-12-11T23:21:12","slug":"reforming-long-term-care-policy","status":"publish","type":"resource","link":"https:\/\/www.thescanfoundation.org\/es\/resource\/reforming-long-term-care-policy\/","title":{"rendered":"Reforming Long-Term Care Policy"},"template":"","class_list":["post-4348","resource","type-resource","status-publish","has-post-thumbnail","hentry","location-national","resource_type-report"],"acf":{"details":{"helper_accent_color":"yellow","helper_taxonomies":{"priority_tax":[7],"location":[11],"news-insight_type":false,"resource_type":[21],"event_type":false,"person_type":false,"year_tax":false,"asset_class":false,"investment_type":false,"investment_category":false},"tsf_resource":false,"helper_authors":null,"abstract":"The rising costs of long-term services and <\/span>supports<\/span> (LTSS), also known as long-term care, are one of the biggest\u2014and least understood\u2014risks facing older adults and their families. <\/span>Nearly 70 percent<\/span> of Americans will need LTSS, yet most lack meaningful protection against the financial and practical challenges that come with needing help over time. Middle-income families are especially vulnerable, often earning too much to qualify for Medicaid while being unable to afford high out-of-pocket expenses.<\/span><\/span>\u00a0<\/span>","featured_image":4349,"":null,"file_download":"","download_link_text":""},"page_layout":[{"acf_fc_layout":"layout_wysiwyg","_acfe_flexible_toggle":null,"component_wysiwyg":{"content":"The rising costs of long-term services and <\/span>supports<\/span> (LTSS), also known as long-term care, are one of the biggest\u2014and least understood\u2014risks facing older adults and their families. <\/span>Nearly 70 percent<\/span> of Americans will need LTSS, yet most lack meaningful protection against the financial and practical challenges that come with needing help over time. Middle-income families are especially vulnerable, often earning too much to qualify for Medicaid while being unable to afford high out-of-pocket expenses.<\/span><\/span>\u00a0<\/span>\r\n\r\nThe Leonard Davis Institute (LDI) at the University of Pennsylvania,<\/span>\u00a0with support from The SCAN Foundation, examined why today\u2019s long-term care financing system leaves so many older adults exposed and what federal policy solutions could help. The brief <\/a>explores the drivers of the current crisis, including gaps in Medicare and Medicaid coverage, the limited reach of private long-term care insurance, and the growing reliance on unpaid caregivers who absorb the majority of care responsibilities.<\/span>\u00a0<\/span>\r\n\r\nKey elements of the report include:<\/span>\u00a0<\/span>\r\n