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Long-term care insurance: a benefit for the future
Compensation and Benefits Review
|August 7, 1988
Summary
The rising costs of long-term care strain finances for the elderly and disabled. Research explores new insurance funding models to address these challenges.
Area of Science:
- Health Economics
- Gerontology
- Public Policy
Background:
- The financial burden of long-term care (LTC) significantly impacts elderly and disabled individuals.
- Existing resources are often insufficient to cover escalating custodial care costs.
Purpose of the Study:
- To investigate innovative insurance funding mechanisms for long-term care.
- To explore potential solutions for the financial challenges faced by those requiring extended care.
Main Methods:
- Analysis of current long-term care funding models.
- Review of private industry and governmental insurance initiatives.
- Economic modeling of proposed funding strategies.
Main Results:
- Identification of several promising insurance-based funding avenues.
- Assessment of the feasibility and potential impact of these models.
- Preliminary data suggests a need for diversified funding approaches.
Conclusions:
- Urgent need for sustainable insurance solutions to fund long-term care.
- Collaborative efforts between private sector and government are crucial.
- Policy interventions may be required to ensure access to affordable care.
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