Last week, I wrote about an important new survey of family caregivers that shows nearly half are performing work that is often done by nurses, such as managing medications, caring for wounds, and operating medical equipment. The report, by AARP and United Hospital Fund, sheds important light on the often unrecognized role of these family caregivers. And it raises a critical question: [...]
In the past few months, important events and circumstances have highlighted the need for an effective, sustainable way to finance the often-astronomical costs of long-term care services and supports. The growing political and financial pressures on Medicaid--the state/federal program that funds nearly half of all paid long-term care; the deepening problems in the private long-term care insurance market; and the demise of the CLASS Act--the failed attempt to [...]
The long-term care insurance industry is in big trouble. Consumers aren't buying. Carriers are dropping out of the market. And those that are staying are raising premiums, cutting discounts, and eliminating products--all of which are discouraging even more consumers from buying. What's gone wrong? The industry has two fundamental problems. A long-standing one--buyers are dropping coverage less often than the industry predicted. And a more [...]
Reverse mortgages, which hold great promise as a way for the frail elderly to pay for long-term care costs while living at home, are failing to do the job. Few homeowners ever take out these loans, and those who do, paradoxically, may be putting their financial security in old age at greater risk. According to a new report to Congress [...]
Everybody wants to do a better job coordinating care for the frail elderly and younger adults with disabilities who have extensive medical and personal care needs. But just how to do it is becoming increasingly controversial—especially on Capitol Hill. The current flashpoint is an aggressive new Obama Administration initiative aimed at improving care and cutting costs for those who are [...]
People often say that the patients most at risk in the U.S. health system are the elderly who suffer from multiple chronic diseases. But it may be that a subset of these seniors—those with chronic disease who also need personal assistance with routine activities—are in the most jeopardy. An important 2011 research paper finds they are the most costly to care [...]
By upholding the constitutionality of the Affordable Care Act, the Supreme Court has preserved—at least for now—major changes in the way long-term care supports and services are delivered and financed. Here are some provisions of the law that directly affect the frail elderly and younger adults with disabilities. Medicaid: The law is filled with important changes to this state/federal program [...]
Let me tell you about Frank. At 86, he has heart disease, diabetes, and kidney failure. He lives at home but struggles with the 16 medications he must take every day. He could also use some social support--maybe an adult day program, help shopping, or just somebody to keep him company. What Frank needs most of all is somebody who can help organize all of his medical [...]
A Pennsylvania state appeals court has ruled that the adult son of a nursing home resident is responsible for her unpaid $93,000 bill. And the decision has some elder care lawyers wondering if this is just the beginning of a trend. Pennsylvania is one of 30 states that have filial responsibility statutes—laws that impose a duty on adult children to [...]
Why would House Republicans slash programs that make it possible for the frail elderly and adults with disabilities to live at home? Especially since the alternative would often be more costly nursing home care. GOP lawmakers say they support Medicaid's Home and Community Based programs that provide long-term services and supports in the community rather than in nursing homes. Many GOP [...]