LTC Bullet:  How to Fix Long-Term Care

Friday, February 3, 2012


LTC Comment:  Find out “How to Fix Long-Term Care” after the ***news.***

*** PRAISE FOR THE CENTER’S “CLIPPING SERVICE”:  Here’s what Mark Randall, one of the country’s leading LTC trainers and author of GoldenCareUSA’s highly regarded “LTC CEO” program, had to say: 

“Your service has saved me hundreds of hours of research each year since we started receiving your clippings. Using it makes me feel confident knowing that I’m on top of anything happening in the industry – from legislation to state movements to industry and insurer announcements. And being on top of things is critical in our industry. Any serious LTCi agent that doesn’t take advantage of this is…well…maybe, isn’t that serious? Or, at the very least, doesn’t realize the value the service can bring to their production! For anyone above the level of agent, this service has to be considered a must. Thank you for your diligence in uncovering all the daily news a person in our industry needs!”

Find details about the Center’s LTC Clipping Service here.  Contact Damon at 206-283-7036 or to subscribe. ***

*** OUR “Have Steve Moses speak at your next event” FLYER brought this reply from a world-class LTCI veteran, Bob Callanan of the Borden Hamman Agency:

“FYI ... Next to Jesse Slome and the American Association for Long-Term Care Insurance (AALTCI), Steve Moses has proven the most persistent and sought after individual ADVOCATE for the need for ‘private’ LTCi since I joined this industry back in 1990. There is not another individual as knowledgeable about the inner workings of our various State and National Government entities vis-à-vis Long-Term Care issues ... BAR NONE Steve remains a tireless believer in and advocate for necessary Industry ‘REFORMS’ and is one of the most persuasive speakers I've ever listened to.”

To schedule Steve to speak at your event, contact him directly at 206-283-7036 or ***



LTC Comment:  The Center for Long-Term Care Reform’s late summer, early fall project in Washington, DC produced seven important deliverables.  As described in our project report titled “Near-Term Prospects for Long-Term Care Financing Reform,” these work products included:

1.  "Pay for the Doc Fix by Fixing Medicaid LTC"
2.  “Save Medicaid LTC $30 Billion Per Year AND Improve the Program"
3.  & 4.  Letters from members or committees of Congress to both the GAO and the DHHS Inspector General requesting studies relevant to our project's objectives.
5.  "Medicaid Long-Term Care Benefits:  Friendly Fire in the Class War":  Steve Moses’s testimony published by Congress.
6.  "Challenges to Effective Long-Term Care:  Cost and Affordability":  Steve Moses’s speech to the 13th annual Health Sector Assembly in Sundance, UT.
7.  Six “Briefing Papers” on “How to Fix Long-Term Care” with an “Overview” linking to each.

Today’s LTC Bullet conveys our “Overview” of “How to Fix Long-Term Care.”  Subsequent LTC Bullets will deliver each of our six Briefing Papers in serial form.  We hope that by reading this material you will gain a better understanding of why America’s long-term care delivery and financing system is so dysfunctional and what it will take to fix the problem.  Thanks for supporting the Center for Long-Term Care Reform.


Dedicated to ensuring quality long-term care for all Americans

Overview: How to Fix Long-Term Care

Briefing Paper #1: The History of Long-Term Care Financing or How We Got Into This Mess -- (PDF for print)

How did the USA come to have a welfare-financed, institutionally biased LTC system in the wealthiest country in the world where no one wants to go to a nursing home? We answer this question first or we risk treating symptoms instead of causes and making problems worse instead of better.

Briefing Paper #2: Medicaid Long-Term Care Eligibility -- (PDF for print)

Despite the conventional wisdom that people must spend down into impoverishment before qualifying for Medicaid LTC benefits, the truth is that income and asset eligibility rules are so generous that most people qualify easily without spending down significant wealth. This brief explains how and why.

Briefing Paper #3: Medicaid Planning for Long-Term Care -- (PDF for print)

Even people who are too affluent to qualify for Medicaid LTC benefits under the generous basic eligibility rules can qualify easily with the help of simple or sophisticated legal techniques marketed by "Medicaid planners." This brief explains how.

Briefing Paper #4: Rebalancing Long-Term Care -- (PDF for print)

Despite the high hopes of many analysts and policymakers, rebalancing Medicaid LTC services from nursing home care to home care without simultaneously tightening eligibility will not save money and will increase costs interminably. This brief explains why.

Briefing Paper #5: Dual Eligibles and Long-Term Care: How to Save Medicaid LTC $30 Billion Per Year and Pay for the "Doc Fix" -- (PDF for print)

Medicaid recipients also eligible for Medicare are the program's most expensive. Better public policy could delay or prevent Medicaid dependency for millions who would otherwise become dual eligibles. This brief explains precisely what needs to be done to achieve that goal.

Briefing Paper #6: Private Long-Term Care Financing Alternatives -- (PDF for print)

Medicaid does not have to bear the brunt of most LTC financing if policy makers unleash the potential of the four major private financing alternatives that currently go mostly untapped. This brief explains what those sources are and what needs to be done to maximize their potential.

Briefing Paper #7: Overview: How to Fix Long-Term Care

This series of seven Briefing Papers explains why LTC service delivery and financing are the way they are in the United States. It points the way toward solutions that will reduce Medicaid's LTC financial exposure, enhance care access and quality, and encourage private sector solutions and employment.

For more information, contact Steve Moses, president of the Center for Long-Term Care Reform ( at or


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