LTC Bullet: People Making a Difference in Long-Term Care

Tuesday, September 29, 2009


LTC Comment: Long-Term Living magazine selected Steve Moses as one of five "people making a difference in long-term care." Text and links after the ***news.***

*** MEDICAID PLANNING is usually done to obtain free or subsidized LTC benefits after the insurable event has occurred without having to spend down privately. But a major side benefit for families who impoverish elders and put them in nursing homes is that Medicaid often pays for many acute care services for which Medicare does not pay, e.g. eye care, foot care, dental care, and residual pharmaceuticals after Part D. Do you wonder how generous your state is with Medicaid? Check out this new resource that pinpoints coverage in each state:

"Updated Online 50-State Database Provides Comprehensive Source on Medicaid Benefits. The Kaiser Family Foundationís Commission on Medicaid and the Uninsured has updated its online database of Medicaid benefits to include data from October 2008, the most recent available. The comprehensive database houses information on Medicaid acute and long-term care benefits in the 50 states, the District of Columbia and the U.S. territories. It includes data about 46 services, including whether the benefit is covered, the populations that are eligible to receive various benefits, and the limitations, co-payments and payment rules that apply to the benefits for each state or jurisdiction. The database is searchable by Medicaid benefit as well as by state, and includes information from 2003, 2004, 2006 and 2008. You can compare specific benefits across states and in regional groupings of states. Additionally, you can print, e-mail or save your search results. The database can be accessed at For more information, contact Chris Lee at or (202) 347-5270." ***

*** INVITE Steve Moses to your next sales meeting. Bring him in for a webinar on why LTCI will take off soon . . . why the bottom's about to fall out of the social safety net . . . why agents and other advisors have a moral and fiduciary responsibility to get their clients protected for LTC. Consider this program the moral equivalent of a half-time pep talk backed up by hard evidence and irrefutable logic. It's free if you don't protect more people from LTC risk and earn more money doing it. Nothing to lose so call the Center for Long-Term Care Reform at 206-283-7036 to schedule the program. ***

*** NEED CE? We have over 200 "Free CE" cards left over from the 2008 National Long-Term Care Consciousness Tour. The Tour's "coordinating sponsor," GoldenCareUSA ( has graciously donated these cards to help support the Center for Long-Term Care Reform. They are the size and shape of a credit card, bearing the Center's logo, and the words "One Free Continuing Education Course." All you do is go online, enter the promo code, follow the "on-screen" directions, and choose the online CE course you want, up to 20 hours of credit. Here's how to get yours: become a new individual member of the Center for $150 per year; renew your individual Center membership early for $150 per year; or become a corporate member of the Center (minimum $1,000 per year, see our "Membership Levels and Benefits" schedule here). The number of "free CE cards" new corporate members can receive is negotiable. Please initiate contact about this offer with Damon at 206-283-7036 or ***



LTC Comment: Long-Term Living magazine (LTL, formerly Nursing Homes) is a leading trade journal of the senior living industry. Recently, LTL invited readers--many of whom are Center for Long-Term Care Reform members and LTC Blog readers--to nominate and vote for "people making a difference in long-term care." The results are published in the magazine's September 2009 issue.

The contest honored individuals in five categories of "people making a difference": (1) Administrator, (2) Director of Nursing, (3) Certified Nursing Assistant (CNA), (4) Ancillary Staff and (5) "Other." Steve won in the "other" category defined as "consultants, lobbyists, and friends of the industry." Following is an excerpt from the article. The full piece, including pictures of all the winners, is available here.

But first, LTC insurance and LTC providers need each other. Providers need private payers to supplement meager Medicaid reimbursements. LTC insurance beneficiaries need high-quality LTC facilities and service providers. That's why we often recommend that senior financial advisors understand and follow news about the provider side of the long-term care industry. Subscribing to Long-Term Living is a very good way to do that.

LTL was a gold sponsor last year of our "National Long-Term Care Consciousness Tour." The magazine's staff freely shared space with the Center in their exhibit hall booth at the American Health Care Association's national convention in Nashville last year. Steve Moses says "We're lucky to have friends and allies in senior living and we're honored that Long-Term Living, and it's readers who voted, chose to recognize the Center for Long-Term Care Reform for our work in promoting responsible long-term care planning, financing and policy."


Excerpts from "People Making a Difference," Long-Term Living, Vol. 58, No. 9, September 2009, pps. 43-47, full article with pictures here.

'People Making a Difference in LTC' announced

Receiving due recognition may seem uncommon for many in long-term care. That's why Long-Term Living gave readers the opportunity, via our Web site (, to nominate and vote for exceptional employees and leaders in the field today.

We received many nominations-and a few thousand votes-for the following people you decided are truly making a difference in the ranks of Administrators, DONs, CNAs, Ancillary Staff, and "Other" (including consultants, lobbyists, and friends of the industry). Whether they are managing staff, developing facility meal plans, or acting as the face and voice of an aging community, long-term care workers and advocates provide an important and valued service the world over. These stories are a mere snapshot of a few of these dedicated people and, hopefully, will inspire you to recognize and acknowledge good work when you see it. . . .

Stephen A. Moses, president and cofounder of the Center for Long-Term Care Reform, has been a one-person public relations campaign to save Medicaid as a long-term care safety net for the country's most needy. He says this can be achieved by educating the public on the need for long-term care insurance for people not requiring public assistance. Moses drew national attention when he began the National Long-Term Care Consciousness Tour in 2008-a 35,000-mile journey across the country pulling a 16-foot Airstream trailer, dubbed "The Silver Bullet," to call attention to the need for long-term care insurance. Moses spoke to anyone who would listen. He has been interviewed by countless local television stations, newspaper reporters, magazine editors, and radio talk-show hosts; done podcasts; and appeared as a speaker at state capitols and for insurance groups, financial professionals, national associations, and the general public. He also gets the word out through his LTC Bullet e-mailed to his supporters. Without long-term care insurance, Medicaid will collapse as a financing source, he says.

"There are two things currently supporting Medicaid that are going to rapidly disappear. One is Social Security. Thirteen percent of the revenue that goes to nursing homes comes through Social Security. People in nursing homes on Medicaid have to contribute their income. Since Social Security is the primary source of income for the elderly, I call this Social Security spend-through instead of spend-down," Moses says. The other factor is Medicare's $85 trillion unfunded liability. "Medicare can't go on propping up Medicaid to fund long-term care," Moses says.

The Long-Term Care Consciousness Tour ended this year, but Moses will continue his quest to bring to light the benefits and necessity of long-term care insurance. "I'm not marketing long-term care insurance," Moses says. "But it's the only solution I've got for this problem."

There aren't many people who are as passionate about a cause as Moses is about saving Medicaid for those who cannot afford long-term care insurance. "My primary motivation is to save Medicaid as a safety net for the poor."


James "Skip" Gregory

Bureau Chief, Office of Plans and Construction Florida Agency for Health Care Administration

LuMarie Polivka-West

Senior Vice President Florida Health Care Association