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National Aging Information Center-

Aging Internet Information Notes: Long Term Care Insurance
Note Disclaimer Below
See also: Long Term Care Services in the States, Nursing Homes and Assisted Living


Public policy interest in long-term care insurance has steadily increased in response to the rising costs of in-home and institutional care. Currently two-thirds of all nursing home residents are supported through Medicaid with less than 3% of total nursing home expenditures paid by long term care insurance. With the increased costs of long term care in institutional, community and in-home settings, public policy analysts are concerned about how families will pay the costs of long term care without spending down assets to qualify for public assistance. Unfortunately many adults are unaware that the costs of personal support services and that long-term health care services are not covered by Medicare or other health insurance policies.

Recently Congress passed legislation to establish group long term care insurance plans for federal employees. The federally supported statewide health insurance information, counseling and assistance programs for older adults now include information about long term care insurance policies also.


Consumer Information
Information and Counseling Programs

Long Term Care Insurance for Federal Employees

Public/Private Partnerships for Long Term Care

Public Policy

Policy and Research Studies

Statistics on Nursing Home Costs

Long Term Care Insurance Industry Associations


Consumer Information

Private Long Term Care Insurance
(AARP)
http://www.aarp.org/confacts/health/privltc.html 

Understanding Long Term Care Insurance
(Institute for Long Term Care Insurance)
http://www.canpfa.org/institute/Factsheet/inst^ins.htm 

Choosing a Long Term-Care Policy
http://www.bouldernews.com/business/bp13agco.html 

Study the Fine Print in Long-Term Care Policies
(Kiplinger’s Retirement Report)
http://www.kiplinger.com/retreport/archives/1999/January/manage2.htm 

Questions to Ask Before Buying Long Term Care Insurance
(ElderLaw Answers)
http://www.elderlawanswers.com/checkLTC.asp 

Guide to Long Term Care Insurance
(Health Insurance Association of America)
http://www.hiaa.org/consumer/guideltc.cfm 

Long-Term Care Policies, Part I
(Chicago Sun-Times)
http://www.suntimes.com/savage/greatest_hits/longterm1.html 

Long-Term Care Policies, Part II
(Chicago Sun-Times)
http://www.suntimes.com/savage/greatest_hits/longterm2.html 

A Big Decision for Women – Should I Buy Long-Term Care Insurance?
(U.S. Administration on Aging)
http://www.aoa.gov/elderpage/walltcupdate.html
 

Long Term Care Insurance Buyers Advocate
http://www.pianomusic.org/ 

Debunking the Myths: Long Term Care Insurance
(American Health Care Association)
http://www.ahca.org/secure/debunk.htm 

Avoid Fraud When Buying Long Term Care Insurance – A Guide for Consumers and Their Families
(Consumerlawpage.com)
http://consumerlawpage.com/article/insure.shtml 

Information and Counseling Programs

Related Web Sites - State Health Insurance Counseling and Assistance Programs (Health Care Financing Administration)
http://www.medicare.gov/Contacts/Related/Ships.asp 

Interactive Map of State Regulators
http://www.naic.org/1regulator/usamap.htm 

Long Term Care Insurance for Federal Employees

Long Term Care Insurance
(Office of Personnel Management)
http://www.opm.gov/insure/ltc/index.htm 

Did You Know? Long Term Care Facts
(Office of Personnel Management)
http://www.opm.gov/insure/ltc/snippets.htm 

Long Term Care Tax Incentives
(Office of Personnel Management)
http://www.opm.gov/insure/ltc/state_incentives/index.htm 

Offering Retirement Security to the Federal Family: A New
Long Term Care Initiative
(U.S. Senate Special Committee on Aging) 
http://aging.senate.gov/events/107th.html 

Public/Private Partnerships for Long Term Care

University of Maryland Center on Aging
http://www.inform.umd.edu/aging/PLTC/index.html 

Connecticut Partnership for Long Term Care
http://www.opm.state.ct.us/pdpd4/ltc/home.htm 

New York State Partnership for Long Term Care
http://www.nyspltc.org/ 

Public Policy

Long Term Care Security Act – Report (U.S. House of Representatives, 106 Congress, 2nd Session)
http://thomas.loc.gov/cgi-bin/cpquery/1?cp106:./temp/~cp106Cab5::&sid=baC01p&&report=hr610p1.106&&dbname=cp106&&previous_query=long+term+care+insurance&&hold_doc_count=100&&variant=
yes&&xform_type=0&&item_number=1&&sel=DOC&&level=2&&bool=n&
 

Research and Other Developments of Interest in Employer Group Long-Term Care Insurance (April 1999) (Assistant Secretary for Planning and Evaluation, U.S. Department of Health and Human Services)
http://aspe.os.dhhs.gov/daltcp/reports/Rn19.htm 

Agency for Health Care Policy and Research Up to 23 percent of Elderly Americans Could Be Rejected for Private Long-Term Care Insurance at Age 65 (Agency for Health Care Research and Quality)
http://www.ahcpr.gov:80/research/jan96/dept3.htm#head1 

Preliminary Data from a Survey of Employers Offering Group Long-Term Care Insurance to Their Employees
(Office of Assistant Secretary for Planning and Evaluation, Department of Health and Human Services)
http://aspe.os.dhhs.gov/daltcp/reports/ltinires.htm 

Long-Term Care Insurance: Protecting Consumers From Hidden Rate Hikes
(U.S. Senate Special Committee on Aging)
http://aging.senate.gov/oas/hr58.htm 

Long Term Care: Baby Boom Generation Presents Financing Challenges
(Testimony, 03/09/98, GAO/T-HEHS-98-107)
http://frwebgate.access.gpo.gov/cgi-bin/useftp.cgi?IPaddress=162.140.64.21&filename=
he98107t.txt&directory=/diskb/wais/data/gao
 

Policy and Research Studies

Can the Baby Boomers Avoid the Nursing Home – Long Term Care Insurance for Aging in Place
(American Council of Life Insurers)
http://www.acli.com/public/media/pubs/boomer2.pdf 

Long-Term Care Insurance: An Assessment of States' Capacity to Review and Regulate Rates
(Public Policy Institute, AARP)
http://research.aarp.org/il/2002_02_ltc_1.html 

Paying for Long-Term Care Is Bigger Worry Than Paying for Retirement, Americans Say
(National Council on Aging)
http://www.ncoa.org/news/archives/ltc_survey_results0297.htm 

Care Management and Quality Assurance Under Long Term Care Insurance
(Center for the Advanced Study of Aging Services, University of California at Berkeley)
http://cssr.berkeley.edu/aging/pubdetails.asp?name=care 

Assuring Quality Care Management Under Long Term Care Insurance: Summary and Conclusions
(Center for the Advanced Study of Aging Services, University of California at Berkeley)
http://cssr.berkeley.edu/aging/pubdetails.asp?name=quality 

Statistics on Nursing Home Costs

Nursing Home Costs Average $168 per Day in U.S.
(Met Life)
http://www.metlife.com/Applications/Corporate/WPS/CDA/PageGenerator/0,,P250~S349~AP,00.html 

Nursing home average monthly charges per resident and percent of residents, according to primary source of payments and selected facility characteristics: United States, 1985, 1995, and 1999
(National Center for Health Statistics, U.S. Centers for Disease Control)
http://www.cdc.gov/nchs/products/pubs/pubd/hus/tables/2001/01hus124.pdf 

Nursing home average monthly charges per resident and percent of residents, according to selected facility and resident characteristics: United States, 1977, 1985, 1995, 1997, and 1999
(National Center for Health Statistics, U.S. Centers for Disease Control)
http://www.cdc.gov/nchs/products/pubs/pubd/hus/tables/2001/01hus123.pdf 

Nursing Home Care Expenditures Aggregate and Per Capita Amounts and Percent Distribution, by Source of Funds: Selected Calendar Years 1980-2000
(Centers for Medicare and Medicaid Services -Health Care Financing Administration)
http://www.hcfa.gov/stats/nhe-oact/tables/t7.htm 

Quarterly Index Levels and Four-Quarter Moving Average Percent Changes in the CMS Prospective Payment System (PPS) Skilled Nursing Facility Input Price Index using DRI-WEFA Forecast 1999-2003
(Centers for Medicare and Medicaid Services -Health Care Financing Administration
http://www.hcfa.gov/stats/indicatr/tables/t11.htm 

The Nation's Health Dollar: 2000
(Centers for Medicare and Medicaid Services -Health Care Financing Administration
http://www.hcfa.gov/stats/nhe-oact/tables/chart.htm 

Long Term Care Insurance Industry Associations

American Association for Long Term Care Insurance
http://www.aaltci.org/ 

Center for Long Term Care Financing
http://www.centerltc.org/ 

Long Term Care Insurance Section – Society of Actuaries
http://www.soa.org/sections/ltci.html 

Long Term Care Insurance National Advisory Council
http://www.longtermcareinsurance.org/ 

Health Insurance Association of America
http://www.hiaa.org 

BMC: 5/30/02


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