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long-term care facility (4 results)
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- What Long-Term Care Insurance can do for You
- This paper focuses on the Long-term care insurance which protects retirement savings from being wiped out by long-term care needs. It alleviates financial hardships that might otherwise impoverish spouse or children paying for the long-term care needs. It enables the person and spouse to maintain financial independence throughout their lives....
- White papers
- The Corporation on Trial: Hospitals in Long-Term Care Litigation
- In closing, the paper recommends that any hospital that is involved in long-term care litigation understand that model and apply the best practices discussed. The potential for large awards is far greater than in a hospital's typical medical malpractice case. Educating the claim staff is critical to the hospital's success...
- White papers
- A Woman's Guide to Long-Term Care
- This paper focuses on the insurance on long term care for women. Long-term care is the assistance needed when a person can not perform activities of daily living due to a cognitive impairment like Alzheimer's, illness, injury, or age. Care can range from someone coming into home to help with...
- White papers
- What Are My Long-Term Care Needs?
- There are three typical ways to fund long-term care needs: self-insure, qualify for Medicaid, or obtain long-term care insurance. Use this tool to determine your potential long-term care needs and how long your current assets might last.
- Tools & templates 2008-01-01
- Policy Options for Financing the Future Health and Long-Term Care Costs in Japan
- As the Japanese population structure changes, health care and long-term care costs will steadily increase. The current style of financing (pay-as-the person-go) will create a large increase in future burden of these costs. This paper studies an alternative policy that prefunds the social insurance benefits for the elderly. During a...
- White papers 2006-08-01
- The Effects of State Medicaid Policies on the Dynamic Savings Patterns of the Elderly
- This paper investigates the influences of health and the variation in state Medicaid policies on the savings patterns, insurance coverage, and long-term care decisions of elderly persons who anticipate the need for long-term care. States have considerable flexibility in determining policies that affect the attractiveness of receiving Medicaid coverage for...
- White papers 2006-04-01
- A New Approach to Long-Term Care Insurance
- In 2006, the first wave of baby boomers will be turning 60 and many will decide to retire. According to a MetLife demographic study done in 2003, baby boomers make up 27.5% of the U.S. population, which translates to over 77 million people. With so many people approaching their golden...
- White papers 2006-02-13
- Prevalence of Physical and Verbal Aggressive Behaviours and Associated Factors Among Older Adults in Long-Term Care Facilities
- Verbal and physical aggressive behaviors are among the most disturbing and distressing behaviors displayed by older patients in long-term care facilities. Aggressive behavior AB is often the reason for using physical or chemical restraints with nursing home residents and is a major concern for caregivers. AB is associated with increased...
- White papers 2005-11-10
- How to Break Into LTC Sales Via the Workplace
- The issues surrounding America's aging population and long-term care needs have been popular topics in the news lately. The need for LTC insurance is growing quickly. Baby boomers are starting to transition into retirement. In fact, the number of retirees is projected to grow from 30 million to more than...
- White papers 2005-10-10
- Long-Term Care and Supplemental Disability Income Plans
- Most banks develop compensation and benefit plans with the belief that their top executives - those most responsible for the bank's prosperity - should be rewarded for their contributions to the bank's financial health. However, the assets those executives build as a result can erode quickly when a long-term illness...
- White papers 2005-10-01
- Supporting Caring Caregivers: Policy and Practice Initiatives in Long Term Care
- An MIT Workplace Center working paper reports on 40 interviews in the healthcare sector in Massachusetts and identifies five key problems. Frank and Eaton focus in the long term care industry on the very problems identified in that working paper: poor quality jobs including short staffing, inflexible schedules and difficult...
- White papers 2005-05-25
- Long-Term Care Financing: Growing Demand and Cost of Services Are Straining Federal and State Budgets
- Long-term care relies heavily on financing by public payers, especially Medicaid, and has significant implications for state budgets as well as the federal budget. This report addresses the pressure that entitlement spending for Medicare, Medicaid, and Social Security is expected to exert on the federal budget in coming decades; how...
- White papers 2005-04-27
- Dynamic Inefficiencies in Insurance Markets: Evidence From Long-Term Care Insurance
- This paper examines whether unregulated, private insurance markets efficiently provide insurance against reclassification risk the risk of becoming a bad risk and facing higher premiums. To do so, it examines the ex-post risk type of individuals who drop their long-term care insurance contracts relative to those who are continually insured....
- White papers 2005-01-01
- The Interaction of Public and Private Insurance: Medicaid and the Long-Term Care Insurance Market
- The paper shows that the provision of even incomplete public insurance can substantially crowd out private insurance demand. It examines the interaction of the public Medicaid program with the private market for long-term care insurance and estimate that Medicaid can explain the lack of private insurance purchases for at least...
- White papers 2004-12-01
- Long-Term Care Insurance Model Act
- The purpose of Long-Term Care Insurance Model Act is to promote the public interest, to promote the availability of long-term care insurance policies, and to protect applicants for long-term care insurance, as defined, from unfair or deceptive sales or enrollment practices. It aims to establish standards for long-term care insurance,...
- White papers 2004-09-12
- Long-Term Care Insurance Model Regulation
- The Accident and Health Insurance Working Group of the Life and Health Actuarial Task Force prepared amendments to the model regulation in response to a request from the Senior Issues Task Force, which asked the group to look at issues related to the rating standards added to the model in...
- White papers 2004-09-12
- Supply or Demand: Why Is the Market for Long-Term Care Insurance so Small?
- Long-term care represents one of the largest uninsured financial risks facing the elderly patients. Whether the small size of this market is driven primarily by supply side market imperfections or by limitations to demand, however, is unresolved, largely due to the paucity of data about the structure of the private...
- White papers 2004-09-01
- Are Your Clients Complying With ERISA?: Four Questions That Can Help Them Decide if Their LTD and LTC Are in Compliance
- More than 30 years ago, Congress passed the Employee Retirement Income Security Act of 1974, also known as ERISA. Enacted in response to rampant abuses in the funding and administration of pension plans, the law sets minimum operational standards for many private employers' retirement and welfare benefit plans for their...
- White papers 2004-09-01
- Guide to Long Term Care Insurance
- Insurance is an important tool for protecting yourself against risk. For instance, health insurance pays your doctor and hospital bills if you get sick or injured. But how can one help protect yourself against the significant financial risk posed by the potential need for long-term care services, either in a...
- White papers 2004-08-19
- Long-Term Care Insurance: Who Needs It
- This article summarizes information regarding life and health insurance. Most of us will buy health insurance and insurance for home, car, and other property replacement. However, fewer of us buy long-term care insurance, either not thinking about it or hoping that our savings will be sufficient to meet any associated...
- White papers 2004-07-23
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