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Private Long-Term Care Insurance: A Viable Option for Low and Middle-Income Seniors?

In the Deficit Reduction Act of 2005, the federal government made it harder for individuals to qualify for Medicaid nursing home benefits by increasing penalties on individuals who have transferred assets for less than fair market value during the past five years and by making individuals with home equity above…

Profiles of Disability: Employment and Health Coverage

This Background Paper presents information on the disabled population, as well as alternative definitions of disability and the resulting impact on population estimates of the disabled population. In addition, this paper presents a profile of non-elderly persons with disabilities, including work status and health insurance coverage, and concludes with a…

The Community Living Assistance Services and Supports (CLASS) Act

This issue brief provides a brief overview of the Community Living Assistance Services and Supports (CLASS) Act, including a discussion of how the program would be financed and whom it is intended to reach. The paper was released as part of a Kaiser briefing about the act, a component of…

Efforts in States to Promote Medicaid Community-Based Services and Supports

This brief summarizes lessons in offering more home and community-based services from states at the forefront of the effort. It describes current options for state Medicaid programs and draws on interviews with state officials to provide details about specific policies and procedures in states. Brief (.pdf)

Asset Transfer and Nursing Home Use

Asset Transfer and Nursing Home UseThis issue brief examines asset transfer data of elderly nursing home residents and finds that for those who qualify for Medicaid, their average asset transfer are small, sufficient to cover about one month of private nursing home care.Issue Brief (.pdf)

Frontline Perspectives on Long-Term Care Financing Decisions and Medicaid Assets Transfer Practices

Frontline Perspectives on Long-Term Care Financing Decisions and Medicaid AssetsTransfer PracticesIn the Deficit Reduction Act of 2005, Congress tightened Medicaid asset transfer rules for individuals qualifying for Medicaid assistance with nursing home bills. Research on asset transfer shows a low incidence of asset transfers and limited cost savings from tightening…

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Filling the need for trusted information on national health issues, the Kaiser Family Foundation is a nonprofit organization based in San Francisco, California.