Description: Observations of a Home Health Care Experience Analysis incidence rates, selection rates, avg length of service. From Long-Term Care Newsletter, October 2000, Issue No. 3.

Description: This article is about the most significant issues and trends that may impact long-term care LTC risks, care delivery and protection in the future.

Description: Family members who care for people with dementia need a wide range of support services to help them do the important work of care giving at home.

Description: Article on the history of the Long Term Care Discussion Group, a Washington DC-based venue for discussing long-term care and related issues for over 20 years.

Description: Growing in popularity, coverage of Independent Provider services under long-term care insurance plans providing home health care benefits presents unique challenges—from product design to claims practices.

Description: Rhode Island’s unique “global Medicaid waiver” pursues a potentially dangerous national policy trend: long-term care LTC rebalancing without strong eligibility controls. Resulting cost overruns could seriously damage the state’s social safety net. To maximize the global waiver’s opportunity, minimize its danger, and become a LTC financing model for the country, policy makers need to recognize the issues discussed in this report and pursue the recommended additional research and analysis.

Description: The article looks at potential changes in care provider demographics that could ultimately have an impact on the cost of long term care services.

Description: A discussion of reverse mortgages, and their suitability for meeting the long term care needs of seniors who want to stay in their homes.

Description: While tax-qualified products meet an existing demand in the long-term care market, the statutorily required language of Section 7702B can present challenges as claims are presented. Every day, claims professionals grapple with whether the facts of a claim constitute substantial assistance or a severe cognitive impairment. “Close call” claims decisions continue to increase as claims volumes rise across the long-term care insurance sector. This article analyzes the Section 7702B language, identifies potential pitfalls in administering claims made on tax-qualified policies, and illustrates how to avoid such pitfalls through hypothetical scenarios.

Description: A study providing statistics on the Use of Nursing Home and Assisted Living Facilities Among Privately Insured and Non-Privately Insured Disabled Elders. From Long-Term Care Newsletter, April 2001, Issue No. 4.