Sharing The Burden: Strategies For Public And Private Longterm Care Insurance,New

Sharing The Burden: Strategies For Public And Private Longterm Care Insurance,New

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SKU: DADAX0815793774
Brand: Brookings Institution Press
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The United States is engaged in a critically important and contentious debate on how to overhaul the way it delivers and pays for longterm care. Most families that are confronted with caring for a disabled elderly relative are often guaranteed financial catastrophe. The authors of this book examine a wide range of financing approaches to reforming longterm care and the impacts they would have over the next twentyfive years. The central issues in the debate about reforming longterm care concerns the relative roles of the public and private sectors. The authors urge that private insurance be encouraged and predict it will grow. Nevertheless, they conclude, private insurance will probably play only a modest role in financing nursing home and athome care. For that reason, careful attention must also be given to reforming public programs. They recommend a strategy that includes expanded social insurance covering more athome care and some limited nursing home coverage, the liberalization of Medicaid eligibility requirements so that complete impoverishment is not required before benefits are given, and an enhanced role for private insurance to provide asset protection to the uppermiddle income and wealthy elderly. The authors examine the cost of public and private initiatives and who would pay for them. Their answers emerge from a large computer simulation model that the authors developed. This book is accessible to nonspecialists and is essential reading for anyone interested in the future of American health care.

⚠️ WARNING (California Proposition 65):

This product may contain chemicals known to the State of California to cause cancer, birth defects, or other reproductive harm.

For more information, please visit www.P65Warnings.ca.gov.

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