Description: Three long-term care claimants lead very full lives, thanks to making the most of their employer-sponsored group long-term care insurance coverage, in terms of using it through intelligent and conservative benefit utilization.

Description: Ideas to improve claim practices, thereby improving public perception of the LTCI industry.

Description: A summary of concerns about the Community Living Assistance Services and Supports Act, including flaws in the underlying premises, opportunism, inadequate sales incentives, insufficient benefits, adverse selection, and cashflow and solvency issues.

Description: A personal experience of joining the LTC industry and a brief perspective on how to address challenges facing the industry.

Description: A model for an effective, cost efficient national public LTC/LTCI education program that will increase LTCI sales nationwide.

Description: This article provides some state officials' responses to a request for information from legislators related to the study and reform of Medicaid long-term care (LTC) eligibility and estate recovery rules. In those replies, there is strong evidence that Medicaid eligibility and estate recovery rules are subject to frequent and egregious abuses.