Solvency Capital for Long Term Care Insurance in the United States

2019 ◽  
pp. 193-212
Author(s):  
James C. Berger
Keyword(s):  
United States ◽  
Long Term Care ◽  
The United States ◽  
Term Care ◽  
Solvency Capital ◽  
Long Term Care Insurance

Does Home Equity Affect Decisions on Long-Term Care Insurance Purchases? Evidence From the United States

2019 ◽  
Vol 41 (6) ◽  
pp. 602-628
Author(s):  
Richard A. Hirth ◽  
Yubraj Acharya ◽  
Helen G. Levy ◽  
Kenneth M. Langa
Keyword(s):  
United States ◽  
Long Term Care ◽  
The United States ◽  
Home Equity ◽  
Term Care ◽  
Long Term Care Insurance

Germany's Long Term Care Insurance Model: Lessons for the United States

2002 ◽  
Vol 23 (1) ◽  
pp. 44 ◽  
Author(s):  
Charlene A. Harrington ◽  
Max Geraedts ◽  
Geoffrey V. Heller
Keyword(s):  
United States ◽  
Long Term Care ◽  
The United States ◽  
Term Care ◽  
Long Term Care Insurance ◽  
Insurance Model

Is German Long-Term Care Insurance a Model for the United States?

2001 ◽  
Vol 31 (3) ◽  
pp. 617-634 ◽  
Author(s):  
Michaela V. Schunk ◽  
Carroll L. Estes
Keyword(s):  
United States ◽  
Consumer Choice ◽  
Social Insurance ◽  
Social Protection ◽  
Long Term Care ◽  
The United States ◽  
Term Care ◽  
Long Term Care Insurance ◽  
High Degree

German long-term care insurance, implemented in 1995, significantly extends the coverage of care-related risks. Given the similarities of German and U.S. institutional features, the German social insurance approach has been put forward as a possible model for long-term care in the United States. Using a political economy framework, the authors conducted a policy analysis that compares the main shortfalls of long-term care (LTC) provision in the United States and Germany, examines the responses provided by LTC insurance in Germany, and relates them to broader trends and proposals for change in welfare policy in both countries. German LTC insurance includes a high degree of consumer direction and compensation and protection for informal caregivers; it supports the extension of community-based services. Its shortfalls include the continued split between health and LTC insurance. In both countries, decentralization and institutional and financial fragmentation are some of the characteristics responsible for the failure to promote egalitarian social policy and substantially expand social protection to family- and care-related risks. The German LTC program is a good model for the United States. With a social insurance approach to LTC, costs are spread across the largest possible risk pool. Major goals that can be reached with such a program include establishment of universal entitlements to LTC benefits, consumer choice, and equitability and uniformity.

scholarly journals Insuring Long-Term Care in the United States

2011 ◽  
Vol 25 (4) ◽  
pp. 119-142 ◽  
Author(s):  
Jeffrey R Brown ◽  
Amy Finkelstein
Keyword(s):  
United States ◽  
Long Term Care ◽  
Private Insurance ◽  
Insurance Coverage ◽  
The Elderly ◽  
The United States ◽  
Term Care ◽  
Variable Nature ◽  
Long Term Care Insurance

Long-term care expenditures constitute one of the largest uninsured financial risks facing the elderly in the United States and thus play a central role in determining the retirement security of elderly Americans. In this essay, we begin by providing some background on the nature and extent of long-term care expenditures and insurance against those expenditures, emphasizing in particular the large and variable nature of the expenditures and the extreme paucity of private insurance coverage. We then provide some detail on the nature of the private long-term care insurance market and the available evidence on the reasons for its small size, including private market imperfections and factors that limit the demand for such insurance. We highlight how the availability of public long-term care insurance through Medicaid is an important factor suppressing the market for private long-term care insurance. In the final section, we describe and discuss recent long-term care insurance public policy initiatives at both the state and federal level.

scholarly journals The Effectiveness of Contact Precautions on Methicillin-Resistant Staphylococcus aureus in Long-term Care Across the United States

2019 ◽  
Vol 71 (7) ◽  
pp. 1676-1683 ◽  
Author(s):  
Daniel J Morgan ◽  
Min Zhan ◽  
Michihiko Goto ◽  
Carrie Franciscus ◽  
Bruce Alexander ◽  
...  
Keyword(s):  
United States ◽  
Staphylococcus Aureus ◽  
Long Term Care ◽  
Methicillin Resistant Staphylococcus Aureus ◽  
The United States ◽  
Standard Precautions ◽  
Term Care ◽  
Contact Precautions ◽  
Care Facilities

Abstract Background Methicillin-resistant Staphylococcus aureus (MRSA) is a common cause of health care–associated infections in long-term care facilities (LTCFs). The Centers for Disease Control and Prevention recommends contact precautions for the prevention of MRSA within acute care facilities, which are being used within the United States Department of Veterans Affairs (VA) for LTCFs in a modified fashion. The impact of contact precautions in long-term care is unknown. Methods To evaluate whether contact precautions decreased MRSA acquisition in LTCFs, compared to standard precautions, we performed a retrospective effectiveness study (pre-post, with concurrent controls) using data from the VA health-care system from 1 January 2011 until 31 December 2015, 2 years before and after a 2013 policy recommending a more aggressive form of contact precautions. Results Across 75 414 patient admissions from 74 long-term care facilities in the United States, the overall unadjusted rate of MRSA acquisition was 2.6/1000 patient days. Patients were no more likely to acquire MRSA if they were cared for using standard precautions versus contact precautions in a multivariable, discrete time survival analysis, controlling for patient demographics, risk factors, and year of admission (odds ratio, 0.97; 95% confidence interval, .85–1.12; P = .71). Conclusions MRSA acquisition and infections were not impacted by the use of active surveillance and contact precautions in LTCFs in the VA.

Kelly, James R., Jr.

2021 ◽  
Author(s):  
Sadye L. M. Logan
Keyword(s):  
United States ◽  
Long Term Care ◽  
The United States ◽  
Veterans Administration ◽  
Term Care ◽  
Extended Care

James R. Kelly, Jr. (1934–2002) undertook pioneering work in the development and administration of the Veterans Administration (VA) Extended Care programs that has basically shaped the modalities of long-term care now available to veterans across the United States.

scholarly journals Prevalence of advanced directives in the geriatric population with in long-term care facilities in the United States

2021 ◽  
Vol 12 (2) ◽  
pp. 173-178
Author(s):  
Ateequr Rahman ◽  
Druti Shukla ◽  
Lejla Cukovic ◽  
Kirstin Krzyzewski ◽  
Noopur Walia ◽  
...  
Keyword(s):  
United States ◽  
Long Term Care ◽  
The United States ◽  
Living Wills ◽  
Term Care ◽  
Advanced Directive ◽  
Advanced Directives ◽  
Significant Difference ◽  
Care Facilities

Advanced directives, such as Living Wills and Do Not Resuscitate (DNR) orders, provide the ability to identify, respect, and implement an individual's wishes for medical care during serious illness or end-of-life care. The aim of this study was to evaluate the prevalence of advanced directives amongst the residents of long-term care facilities in the United States. A total of 527 cases were extracted from 2018 National Study of Long-Term Care Providers, which was collected by the National Center for Health Statistics through the surveys of residential care communities and adult day services centers. Advanced directive rates were higher in patients 90 years of age and above as compared to other age groups. Nursing home residents were more likely to have advanced directives than other long term care facilities. There was no significant difference among males and females in the rate of advanced directives. Nursing home and Hospice residents had more advanced directives compared to other facilities. The Black population had the highest rate of advanced directive preparedness. Overall, the finding of this study revealed that there was a significant difference in the preparedness of DNR orders and Living Wills by patient demographics and the type of long-term care facility. Offering advanced directive services at public health/social services facilities can enhance the rate of advanced directive preparedness. Advanced directives ease the stress and anxiety of patients, family, and friends during difficult times.

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