Description: Presented at the Living to 100 Symposium, January 2011. The Community Living Assistance Services and Supports 'CLASS' Act’s designers and promoters envision the program as a noble plan to relieve the financial strain on Medicaid long-term care and enable disabled and elderly Americans to purchase more home care and suffer less nursing home institutionalization. This paper explains why CLASS, like private long-term care insurance, is doomed to failure unless and until the crowd-out effect of easy access to Medicaid LTC benefits is addressed.

Description: This essay highlights that the healthcare of the future should offer unversal coverage, preserve competitiveness, research cost and quality and offer free or low cost preventative services.

Description: An essay discussing universal access to high quality, low cost health care.

Description: This paper proposes, for long-term care, a new funding model in which social insurance and private insurance will pay for the bulk of the costs, supplemented by personal payment. If these sources fail, public welfare will serve as a safety net.

Description: The paper focuses on value creation for European health insurance companies through the practical application of integrated ERM frameworks.

Description: Employer and payers need to actively seek change in the system of mental health care deliveryoperational, clinical, and financial change. From Financing Chronic Care Monograph, M-HB05-1.

Description: Author’s response to discussant comments for the 2009 Housing Wealth monograph paper, “Home Equity and At-Need Annuities—A Dynamic Long-Term Care Funding Duo”. The paper describes the prevalence of the still uninsured long-term care financial risk, and how the at-need annuity/home equity combination can address long term care needs.

Description: Chapter 4 review the evolution of the health care system in Canada, and how an aging population will create cost-escalation pressures on the health care system. The chapter does not address issues concerning the efficiency and efficacy of the present health care system. From Economic Security for an Aging Canadian Population, M-RS99-2.

Description: Abstract: This research paper assesses the adequacy of the combination of elder care and support programs in six developed countries. The programs considered are social security (retirement income), health care and long-term care, and four family compositions are considered to make the assessment. The paper discusses the difficulties of defining adequacy. The fuzzy set methodology of Ragin (2000) is used to label the level of adequacy of the combined programs. This is the first time this methodology has been applied to this problem. The paper contributes to research in the social sciences by combining quantitative and qualitative results. It finds that the combined programs are: often inadequate in England and the United States; not adequate or inadequate in Canada; and mainly adequate in France, Germany and Sweden. Three policy recommendations, which would increase the likelihood of benefit adequacy, are made.

Description: Discussant comments for the 2009 Housing Wealth monograph paper, “Home Equity and At-Need Annuities—A Dynamic Long-Term Care Funding Duo”. The author finds that the ideas discussed in this paper should stimulate more thinking about financial products and public sector programs and how they can better serve older homeowners.