Long-term care insurance: coverage varies widely in a developing market : report to the Chairman, Subcommittee on Health and Long-term Care, Select Committee on Aging, House of Representatives
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$80 Intermd 100 days Yes 28 policies offering 33 policies 33 Private Long-Term aarp Alzheimer's disease Benefits and Limitations Brookings Institution Comparison of 33 Cust custodial days 20 days No Guaranteed dBased duration of benefits Elderly Population guaranteed renewable Health and Human Health Insurance hospital discharge Human Services insurance commissioners Insurance Company insurance market Insurance Policies Offered intermediate Life's Limitations of Private long-term care insurance long-term care policies marketing abuse Medicaid medical necessity Medicare Medigap Insurance Medigap policies months 6 months months Yes 30 naic Advisory Committee number of policies nursing home admission nursing home benefits Offered in 1986 payments policies we reviewed policy effective date policy features policy language policyholders potential for abuse prior hospitalization Private Long protection restrictive clause Sale and Marketing stipulated strophic sumers task force Term Care Insurance waiting periods Yes 14 days Yes 14 daysc Yes 30 days Yes Guaranteed yrsb