publication
Long-Term Care Financing
Creating affordable, meaningful care choices for older adults and families
November 6, 2018
In this open letter, Dr. Chernof commends Governor-elect Gavin Newsom on his commitment to develop "a master plan for aging with dignity" in California. Dr. Chernof lists key areas that a master plan must address, such as incorporating strategies for older adults to live and age in the place they call home and providing pathways for older Californians to access affordable health care.
November 10, 2016
Immediately following the 2016 presidential election, Dr. Chernof wrote a letter to then President-elect Trump describing five action items for supporting older Americans.
- dr chernof ,
- long-term care financing ,
- ltss ,
- medicaid ,
- medicare ,
- person-centered care ,
- The SCAN Foundation ,
October 3, 2016
Since inception six years ago, enrollment for The SCAN Foundation’s California Summit on Long-Term Services and Supports (LTSS) has doubled. The LTSS Summit provides a rare opportunity for service providers, aging and disability advocates, health
September 15, 2016
In this slide deck we discuss the case for financing older America’s long-term care need.
February 22, 2016
Last year, modeling efforts distilled various options to improve America’s financing system for long-term care. This month, three organizations – the Bipartisan Policy Center, LeadingAge, and the Long-Term Care Financing Collaborative – released related policy recommendations. This analysis identifies common themes and notes where the recommendations differ in perspective.
November 14, 2015
This policy brief summarizes findings from long-term care financing option research by the Urban Institute and Milliman, Inc., courtesy of Health Affairs.
November 14, 2015
Greater costs for older women, who average 2-1/2 years of high-level need.
November 14, 2015
Half of U.S. reaching 65 will need high levels of costly help with daily activities.
November 13, 2015
1 in 7 of all older Americans will need a high level of help with everyday activities for 5+ years.
November 13, 2015
Families pay >50% of costs for high-level needs that older Americans face.
June 13, 2014
$97,820 - Cost of nursing home care is two and a half times what a family makes a year.
$42,406 - Family income level.
$35,802 - Cost of home care is almost all of a family’s income.
5% of Californians over 40 have long-term care insurance coverage.
March 17, 2014
Most people are not prepared financially to pay for long-term care.
March 17, 2014
70% of Americans who reach age 65 will need some form of long-term care for an average of three years.
March 17, 2014
In the United States, nearly $725 billion is spent per year on long-term care.
March 20, 2013
This brief seeks to answer the question of how many employed individuals (who work for large companies, small companies, or are self-employed) do not currently have access to long-term care coverage. This brief also considers the characteristics that make different types of employers strong or weak prospects for long-term care planning options.
March 20, 2013
This brief series summarizes current issues in financing long-term care and outlines policy options for increasing affordable access to services.
March 20, 2013
This brief series summarizes current issues in financing long-term care and outlines policy options for increasing affordable access to services.
March 20, 2013
Many older adults pay for long-term care out of their income and personal savings until they are poor enough to qualify for Medicaid. In an effort to avoid exhausting their resources and relying on Medicaid, others depend on unpaid family support or go without needed services. Learn more in this policy brief, developed with Avalere.
March 20, 2013
This paper serves as an overview of the Shaping Affordable Pathways for Aging with Dignity series. The series summarizes current issues in financing long-term care and outlines policy options for increasing affordable access to services.
March 20, 2013
Medicaid provides an important safety net for people who are poor or become poor, either because of the high costs of health and long-term services and supports, or for other reasons. The transition from non-Medicaid to Medicaid status can be difficult, especially since it is often associated with illness, disability, and declining income and assets.
March 20, 2013
For people who have been independent all of their lives, transitioning to Medicaid means depending on a means-tested welfare program for their health and long-term care services. Moreover, people transitioning to Medicaid are a substantial portion of state Medicaid expenditures. In an effort to avoid exhausting their resources and relying on Medicaid, others depend on unpaid family support or go without needed services.
March 20, 2013
The long-term care financing series summarizes current issues in financing long-term care and outlines policy options for increasing affordable access to services.
April 6, 2011
This policy brief examines the “service fulfillment” challenges posed by the CLASS Plan. New and improved mechanisms will be needed for connecting consumers of in-home services and supports with the workers who provide them.
April 6, 2011
In this policy brief, demographics and key attitudes that differentiate long-term care insurance buyers from those who do not buy are reviewed. This analysis can help the CLASS Plan inform a more cost-effective targeted marketing strategy, reaching out first to those most receptive to the product.
April 6, 2011
This policy brief looks at best practices in gaining strong participation rates in employer-sponsored, long-term care insurance offerings to help inform strategies for the success of the CLASS Plan.
April 6, 2011
This policy brief describes lessons learned from the Own Your Future consumer awareness campaign in regard to the best means and messages to encourage long-term care planning and how this information may be useful for communications outreach for the CLASS Plan.
April 6, 2011
This policy brief describes the benefits and challenges of using debit cards and cash in CLASS and how they could be implemented and integrated into a Financial Management Services structure.
April 6, 2011
This policy brief describes the use of cash, debit cards, and third-party payers in various participant-directed programs and suggests how these findings can inform the design and implementation of the CLASS Plan.
April 6, 2011
This policy brief seeks to inform the design and implementation of the CLASS Plan using experience from the provision of Financial Management Services (FMS) in participant direction. We seek to present strategies for maximizing FMS benefits in the CLASS Plan.
April 6, 2011
This policy brief describes the history and operation of debit cards and provides examples of their use in government programs to inform the use of debit cards to access CLASS Plan benefits.
April 6, 2011
This policy brief addresses some similarities between the Cash and Counseling (C&C) model and CLASS, including participant control over a cash benefit, the ability to develop an individualized spending plan, the ability to hire family members as workers, and the availability of a range of programmatic supports to help participants manage their responsibilities.
April 6, 2011
This policy brief focuses on components of states’ Medicaid functional assessment processes with an eye toward how these processes could potentially inform the development of regulations for CLASS. We explore how states handle the assessment process and determine who performs the assessment and where it is performed.
April 6, 2011
This policy brief focuses on the ranking and scoring criteria and mechanisms that state Medicaid programs use to determine functional need and the level of services provided for Medicaid-funded personal care services programs. This information can be very useful for the development of the CLASS Plan.
April 6, 2011
This policy brief identifies the elements states use for an assessment of a person’s physical and cognitive limitations and need, and compares these elements to the requirements of the CLASS Plan.
April 6, 2011
This policy brief provides information on the benefit eligibility assessment process in the private long-term care insurance industry. It focuses on how long-term care insurers use the information in the adjudication process, who is involved in the process, and how activities of daily living and cognition are assessed.
April 6, 2011
This policy brief provides information about how long-term care insurers implement benefit eligibility triggers in the private insurance market. The way in which companies have operationalized benefit eligibility triggers can inform the development of regulations for the CLASS Plan.
April 6, 2011
This policy brief provides background on the historical development of benefit eligibility triggers in the private long-term care insurance market. Understanding how these triggers came into being can provide important information to those charged with implementing the CLASS Plan.
April 6, 2011
This policy brief describes the broad needs of individuals with disability and the wide range of supportive and environmental solutions that can allow for the most independent living possible. It suggests how findings on social and environmental supports for individuals with disability can inform implementation of CLASS.
April 6, 2011
This policy brief provides an introduction to The SCAN Foundation’s CLASS Technical Assistance Brief Series, which explores many of the critical issues to be considered for successfully implementing CLASS.
April 13, 2010
The SCAN Foundation, in partnership with Avalere Health, released a web-based modeling tool that enables policymakers and the public to test the budgetary implications of a wide variety of federally run long-term care insurance programs. The model, called the Long-Term Care Policy Simulator, produces more than 2,500 unique outputs, each illustrating how public long-term care insurance program designs and benefits translate into estimated coverage, participation rates, and costs to participants and taxpayers. Read more in this report.