It was supposed to work like this. When people need long-term care, they pay privately until they’re impoverished. Then and only then Medicaid helps. To avoid that outcome, people were urged to save...
LTC insurance sales suddenly surge
By
Stephen A. Moses
Aug 10, 2022
Long-term care is a high risk and huge potential cost for aging Americans. Yet few plan ahead, and fewer still insure privately for this impending peril. Until now. Private insurers report that 140,000...
Long-term care’s mortal risk
By
Stephen A. Moses
Jun 06, 2022
Long-term and post-acute care operators have plenty to worry about. Low Medicaid reimbursements, harsher CMS regulation, caregiver shortages and the impending end to PHE accommodations, to name a few. ...
Trappings of LTC system leave operators trapped
By
Stephen A. Moses
Feb 23, 2022
The current LTC system traps operators in a public financing system that pays too little, expects too much, rewards cronyism, discourages creativity, punishes profit making and disserves aging Americans.
The irony of long-term care advocacy
By
Stephen A. Moses
Dec 17, 2021
Long-term care faces a world of hurt. The COVID pandemic worsened the profession’s chronic long-term problems including revenue shortfalls, caregiver shortages and wage pressures. Researchers, operators...
A payment program that should be fixed, not nixed
By
John O'Connor
Nov 22, 2021
Look, Washington state’s public insurance program is far from perfect. But if some opponents have their way, it’ll never even get started. And that would be a real loss.
What works for long-term care and what doesn’t
By
Stephen A. Moses
Nov 17, 2021
The history of long-term care is best understood as a tension between public and private financing. Over and over again, the private sector has intervened to fix or improve unfortunate conditions created...
Long-term care insurance: Time to yell ‘Run!’ yet?
By
James M. Berklan
Nov 12, 2014
There is a memorable scene in the movie “Forrest Gump” when Lt. Dan chews out the well-intentioned title soldier for saluting him while the enemy is likely watching. The implication is that...
Many Americans don’t understand long-term care
By
Roger Roemmich
May 14, 2014
Many Americans remain in denial and are therefore disinclined to pluck the truth from the myths about long-term care, much to the detriment of their own finances as they turn to homecare providers for...
Long-term care insurance’s uphill battle
By
James M. Berklan
Dec 11, 2013
What the long-term care insurance market could use right now is a healthy dose of capitalism. It ain’t gonna happen.