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.

Description: As the topic of affordable long-term care (LTC) insurance comes into focus in political conversations, we often find ourselves thinking, “What is going to happen to the private LTC insurance industry going forward?” The need for LTC in the United States is not going away, especially as the population continues to age. With this in mind, this article explores three possible future paths for LTC insurance funding and the associated implications for the private LTC industry.