Size of the Employer and Self-Employed Markets Without Access to Long-Term Care Coverage Options

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 longterm care coverage. This brief also considers the characteristics that make different types of employers strong or weak prospects for longterm care planning options.

Long-Term Care Financing

Several demographic and economic factors are increasing the public dialogue concerning policy options for Americans to adequately finance their future long-term care service needs. Given that employers represent the primary source for health and welfare benefits, proposals for expanding access to long-term care financing options inevitably look to employers as a primary communication and distribution channel. In order to assess the feasibility of proposals that rely on employers, questions about current employee access and coverage need to be addressed.