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Long-Term Care Insurance Coverage

2007-2008 AARP Key Legislative Priorities: A Survey of Likely Voters in North Carolina  / Research Report
July 2007— Likely Tar Heel State voters’ thoughts about six issues important to AARP, which are being considered by the North Carolina General Assembly during its 2007-08 session, are examined in this March 2007 telephone survey of 626 voters with a history of having voted in general elections in the last three years. (12 pages)

Long-Term Care Insurance  / Fact Sheet
June 2007— Without private insurance or public program coverage, the high cost of long-term care (LTC) is unaffordable for most Americans. This AARP Public Policy Institute Fact Sheet by Enid Kassner provides an overview of private LTC insurance, including who buys it, how much it costs, important attributes of policies, and tax implications. (2 pages) (Publication ID: FS7R)

In Brief: Can 1 + 1 = 3? A Look at Hybrid Insurance Products with Long-Term Care Insurance  / Research Report
May 2007— A succinct summary of the similarly titled AARP Public Policy Institute Issue Paper in which Marc P. Freiman of RTI International analyzes several types of hybrid insurance products that may help increase the appeal of long-term care insurance by combining it with other kinds of coverage. (2 pages) (Publication ID: INB141)

Can 1 + 1 = 3? A Look at Hybrid Insurance Products with Long-Term Care Insurance  / Research Report
May 2007— One potential approach to increasing the appeal of long-term care (LTC) insurance is “hybrids” that combine LTC with other coverage. In this AARP Public Policy Institute Issue Paper, Marc P. Freiman of RTI International analyzes several types of hybrids that will require better consumer education and government protections in the face of increasingly complex decisions. (41 pages) (Publication ID: 2007-11)

The Costs of Long-Term Care: Public Perceptions Versus Reality in 2006 -- AARP Fact Sheet  / Research Report
December 2006— These key findings from the similarly titled AARP report show that, in the five years since AARP's original survey, age 45+ Americans' perception of long-term care costs is essentially unchanged and they still know less about it than they think they do. (2 pages)

Comparing Long-Term Care Insurance Policies: Bewildering Choices for Consumers  / Research Report
May 2006— Long-Term Care Insurance Policies vary considerably, presenting consumers with a bewildering array of choices. This AARP Public Policy Institute Issue Paper by Bonnie Burns of California Health Advocates compares policy provisions, explores regulatory issues, and presents recommendations designed to ease decision-making. (33 pages) (Publication ID: 2006-13)

In Brief: Comparing Long-Term Care Insurance Policies: Bewildering Choices for Consumers  / Research Report
May 2006— A succinct summary of the similarly titled AARP Public Policy Institute Issue Paper in which Bonnie Burns of California Health Advocates examines the myriad decisions facing consumers considering the purchase of Long-Term Care Insurance, and makes recommendations designed to ease the process. (2 pages) (Publication ID: INB25)

Long-Term Care Insurance Partnership Programs  / Research Report
April 2006— When Congress enacted the Deficit Reduction Act of 2005, it authorized a new option for states to link private long-term care insurance with Medicaid benefits. This AARP Public Policy Institute Fact Sheet by Enid Kassner describes how these programs operate and details potential issues and concerns with their implementation. (2 pages) (Publication ID: FS124)

Design and Impact of Public Long-Term Care Insurance in Japan  / Opinion
September 2005— Professor Ikegami discusses the state of the mandatory Japanese long-term care insurance 5 years after implementation.

Private Long-Term Care Insurance: The Medicaid Interaction  / Research Report
May 2004— The complex interaction between Medicaid and private long-term care insurance is explored in this AARP Public Policy Institute Issue Brief by Enid Kassner which highlights the policy implications for those who may 'fall through the cracks' in their coverage. (8 pages) (Publication ID: IB68)

Inflation Protection and Long-Term Care Insurance: Finding the Gold Standard of Adequacy  / Research Report
August 2002— When individuals are purchasing protection against rising costs in order to insure the future adequacy of their long-term care insurance policies, how much is enough? The question is addressed and answered in this AARP Public Policy Institute Issue Paper by Marc A. Cohen, Maurice Weinrobe and Jessica Miller. (37 pages) (Publication ID: 2002-09)

Long-Term Care Insurance: An Assessment of States' Capacity to Review and Regulate Rates  / Research Report
February 2002— Inadequacies in the review of long-term care insurance rates by state governments, which have the major responsibility for ensuring accurate pricing, reasonable premiums and a minimum of rate increases to consumers, are documented in this AARP Public Policy Institute Issue Paper by Steven Lutzky, Lisa Maria B. Alecxih and Ryan Foreman of The Lewin Group. (69 pages) (Publication ID: 2002-02)