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.
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.