LTC Bullet:  The LTC Discussion Group and Marc Cohen’s Claimant Study Presentation

Friday, November 4, 2016


LTC Comment:  Last week’s Long-Term Care Discussion Group meeting was an excellent example of an industry’s self-awareness and dedication to protecting people from the risks and costs of long-term care.  Details follow after the ***news.***

*** FOR THOSE WHO DON’T ALREADY KNOW: 2017 LTCI tax deductibility limits published:

10/25/2016, “Increased 2017 Tax Deduction Limits for Traditional Long Term Care Insurance Announced,” by AALTCI

Quote: “The tax deductible limits for traditional long-term care insurance premiums paid in 2017 increased according to a just-released IRS announcement. ‘The tax deductibility of premiums when you purchase traditional long-term care insurance provides a real incentive for consumers, especially after retirement,’ explains Jesse Slome, director of the American Association for Long-Term Care Insurance (AALTCI).   ‘The special tax advantages are not available when individuals purchase linked-benefit products such as life insurance or annuity policies that can provide a future long-term care benefit.’” 

LTC Comment: We’ve updated these numbers in our Members-Only Zone here, where you will also find tax deductibility limits for each year back to 1997. If you need your user name and password contact Damon at 206-283-7036 or ***

*** CLTCR Premium Membership  --  Center for Long-Term Care Reform premium members receive our full suite of individual membership benefits including: 

  • All LTC Bullets and E-Alerts
  • Access to our Members-Only Zone website, Almanac of Long-Term Care and Clipping Service Archive
  • Subscription to our Clipping Service
  • Email/phone access to Steve Moses for 24-hour turnaround queries

Our Premium Membership is designed to give you a competitive advantage in your long-term care profession. Your increased knowledge of the critical issues and challenges we face in the field of long-term care service delivery and financing equals improved professional success for you and better LTC services for your clients and for those who have no choice but to rely on scarce public resources. 

Stay on the forefront of professional knowledge and help us fight for rational long-term care policy reform by contacting Damon at 206-283-7036 / to start your Premium Membership immediately or go directly to our secure online subscription page and sign up for as little as $21 per month. ***

LTC Bullet:  The LTC Discussion Group and Marc Cohen’s Claimant Study Presentation

According to their website, “The Long Term Care Discussion Group is a voluntary, independent group that meets for the purpose of educating the policy community on all facets of long term care.”  The purpose of last week’s meeting was to discuss the findings of a recent study conducted by LifePlans, Inc.:  Experience and Satisfaction Levels of Long-Term Care Insurance Customers: A Study of Long-Term Care Insurance Claimants.  This informative discussion featured speaker, Marc Cohen, Ph.D., who carefully and clearly reviewed the findings of the study. 

Here’s why they conducted the study:

More than seven million Americans have long-term care (LTC) insurance, and more than a quarter million are receiving benefits. As claims grow, a key question emerges: What is their actual experience as they seek benefits under their policies? Insureds applying for or receiving benefits—claimants—may actually be viewed as the ultimate customers of LTC insurance. After all, they are the individuals who are experiencing and utilizing the benefits that their policies promise to provide. To gauge customer experience and satisfaction levels of LTC insurance policyholders, it is important to look at claimants. To that end, America’s Health Insurance Plans (AHIP) commissioned LifePlans, Inc., to conduct a study of claimant experience with LTC insurance.

And an overview:

In this recently released study, Experience and Satisfaction Levels of Long-Term Care Insurance Customers: A Study of Long-Term Care Insurance Claimants, LifePlans, Inc. surveyed a cross-sectional sample of claimants in 2015 and 2016 to ascertain their experience with the claim filing process; their views about their coverage; the influence they believe it has on their use of services; the quality of the care they are receiving; and their overall level of satisfaction with their policy. The study also uncovers the relationship between policy characteristics and people’s level of satisfaction. Finally, the study provides an aggregate profile of in-force policyholders’ coverage. Where possible, findings in this study are compared with those from a 2005 Department of Health and Human Services study that looked at individuals who were beginning to receive benefits.

LTC Comment:  The LTCi industry is comprised of talented people who devote themselves to protecting others from the risks and costs of long-term care.  Many people are drawn to the industry by way of personal long-term care experiences and genuinely want to help others prepare responsibly for the challenges associated with aging.  This study of LTC insurance claimants and its resulting Long-Term Care Discussion Group meeting are no exception and reflect professionals in an industry that seek to improve the claims experience via self-analysis.  For doing so, we wish to thank Marc Cohen and the Long-Term Care Discussion Group Co-Chairs:  Susan Coronel, John Cutler, Hunter McKay (ex-officio), Karl Polzer, Jill Randolph, and Eileen J. Tell.

Those interested in further details and actual findings can access the discussion’s PowerPoint PDF here.  We encourage you to do so and to get familiar with the Long-Term Care Discussion Group if you’re not already.  They do meaningful work, provide a valuable service and are very inclusive, providing free membership that is open to all.  Learn more by visiting their website at and get on-board with their “monthly presentations exploring long term care policy, research, and advocacy issues.”