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long-term care financing


Tagged in: `long-term care financing`

In this Perspectives, Dr. Chernof discusses the Foundation's efforts over the past 10 years to better the lives of vulnerable older adults and families. He also reflects on the Foundation's priorities for 2019 and beyond.
Immediately following the 2016 presidential election, Dr. Chernof wrote a letter to then President-elect Trump describing five action items for supporting older Americans.
In this Perspectives, Dr. Chernof highlights the similarities across each set of recommendations and advocates for the multi-pronged approach put forth by all groups—one that clarifies personal responsibility, outlines private market solutions, addresses long-term needs, and refocuses Medicaid’s role.
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.
This policy brief summarizes findings from long-term care financing option research by the Urban Institute and Milliman, Inc., courtesy of Health Affairs.
Greater costs for older women, who average 2-1/2 years of high-level need.
Half of U.S. reaching 65 will need high levels of costly help with daily activities.
1 in 7 of all older Americans will need a high level of help with everyday activities for 5+ years.
Families pay >50% of costs for high-level needs that older Americans face.
Read Dr. Bruce Chernof's Perspectives exploring progress on eight areas from the Affordable Care Act to help older Americans get the right care at the right time by the right providers.
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.
This brief series summarizes current issues in financing long-term care and outlines policy options for increasing affordable access to services.
This brief series summarizes current issues in financing long-term care and outlines policy options for increasing affordable access to services.
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.
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.
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.
The long-term care financing series summarizes current issues in financing long-term care and outlines policy options for increasing affordable access to services.
In this Perspectives, Dr. Chernof discusses several ways that health reform provisions can support effective transitions.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
The passage of the Patient Protection and Affordable Care Act is a great basis upon which to reform and build a comprehensive long-term care system. In this Perspectives, Dr. Chernof discusses an innovative web-based modeling tool developed in partnership with Avalere Health to enable policymakers and the public to test the budgetary implications of a wide variety of federally run long-term care insurance programs.
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.