 |
The LTC
Bullets in our archives contain valuable commentary, data and reviews.
To make this resource more accessible, particularly to new visitors
catching up on who we are and what we say, LTC
Bullets are organized here by subject.
Some Bullets straddle topics and therefore are listed under more than one
heading.SUBJECT
LIST
The
LTC Problem and Solutions
Reality
Check: The Facts on LTCI
Medicaid
Planning
LTC
Services
Politics
and Legislation
Demographics
and Other Data
CLTCR
News
The LTC Problem and Solutions
LTC
Bullets that address or support the arguments fully developed in the
Center’s recent white papers: LTC
Choice: A Simple, Cost-Free Solution to the Long-Term Care Financing
Puzzle and
Myth of Unaffordability: How
Most Americans
Should, Could, and Would Buy Private Long-Term Care Insurance. Also, analysis of proposals for solving the LTC financing
crisis offered by academics, think tanks and others. Return
to top of page
There Is
No “LTSS Gap”, August 2024
What if
the LTC Market Were Free?, July 2024
KFF Hoisted
Again, June 2024
Reimagining LTC Financing,
June 2024
How Medicaid
Helps the Affluent at the Expense of the Poor, May 2024
Cui Bono
LTC?, May 2024
The Fiscal
Imperative and The Moral High Ground of Medicaid Estate Recoveries, April 2024
Long-Term Care
Disparities: Are They Racism or Only Economic Inequity?, April 2024
Your LTC
Questions Answered, March 2024
What
Happened to Long-Term Care?, March 2024
“Dying
Broke” Was Dead Wrong, December 2023
Long-Term Care:
The Solution (The Serial, Part 4), December 2023
Long-Term Care:
The Solution (The Serial, Part 3), November 2023
Long-Term Care:
The Solution (The Serial, Part 2),
November 2023
Long-Term Care:
The Solution (The Serial), October 2023
Long-Term Care:
The Solution, October 2023
Long-Term Care
Racism: Diagnosis, Treatment, and Cure, September 2023
Long-Term Care
Racism, September 2023
Let’s Fix
Long-Term Care Once and for All, August 2023
Cassandra’s
Current Quandary, July 2023
LTC Block Grant
or Waiver Potential, July 2023
The LTC
Narrative, June 2023
What if Most
People Don’t Spend Down for Medicaid LTC?, June 2023
AI on LTC, May 2023
Long-Term Care
and the Social Compact, April 2023
LTC TANSTAAFL, April 2023
Make LTC Simple
Again, December 2022
Last Until LTC, December 2022
LTC Reflections,
October 2022
LTC Studies Share Flaws, September
2022
Biased LTC
Scholarship Misinforms Policymakers, September 2022
Frontload LTC, July 2022
Medicaid’s Plan to
Fail, June 2022
The Entitlement
Put, June 2022
Begging the LTC
Question, May 2022
LTC Epiphany,
May 2022
The Myth of
Unaffordability, Redux, April 2022
LTC Choice,
Still the Best Solution, April 2022
LTC Bankruptcy, March 2022
Moses vs.
Grabowski on Long-Term Care, February 2022
Long-Term Care’s
Fundamental Fallacy, February 2022
Long-Term Care
Irony, January 2022
Square the LTC
Circle, December
2021
How to Prepare
for the Coming Wave of Government Long-Term Care Programs, December
2021
Amada Keynote,
November 2021
Three New
Articles, October 2021
A Framework for
Thinking about Medicaid and Long-Term Care, October 2021
The LTC Anointed,
September 2021
The InLTCgentsia,
September 2021
WISHful Thinking, August 2021
Great Moments in
Unintended LTC Consequences, August 2021
Government
Violates the Long Term Care Social Contract to Your Detriment, July
2021
Be Careful What
You WISH For, July 2021
The WA Cares Fund
Gets a Bad Wrap, June 2021
The Social
Contract for Long-Term Care, June 2021
Why LTCI
Fails, May 2021
LTC Center Standing Guard, May
2021
Milken
Groupthink Fumbles LTC Financing, April 2021
The Key to
LTC, March 2021
Rethink
LTC Financing, February 2021
Social
Insurance is an Oxymoron, February 2021
Is
Medicaid the LTC Solution or the Problem?, December 2020
Caregiver
Insurance, November 2020
Long-Term
Care Insurance in China, November 2020
Modern
Monetary Theory and Long-Term Care, October 2020
Dying with
or of Covid and the Double Whammy of a Second Wave in the Coming Flu
Season, September 2020
Umpteenth
Long-Term Care Study Disappoints, August 2020
How to
Improve Medicaid LTC, July 2020
The Crisis
on Top of the Crises, July 2020
What
Topics and Speakers Do You Want for the Next ILTCI?, July 2020
Covid and
Nursing Home Deaths, June 2020
How Not to
Redesign Long-Term Care, June 2020
WSJ Column
on Nursing Homes, Coronavirus and Medicaid, June 2020
Medicaid
and Long-Term Care, the Serial, Part 7, the End, April 2020
Medicaid
and Long-Term Care, the Serial, Part 6, April 2020
Medicaid and Long-Term Care, the Serial, Part 5,
March 2020
Medicaid
and Long-Term Care, the Serial, Part 4, March 2020
Medicaid and Long-Term Care, the Serial,
Part 3, February 2020
Medicaid
and Long-Term Care, the Serial, Part 2, February 2020
Medicaid
and Long-Term Care, the Serial, Part 1, January 2020
Medicaid and
Long-Term Care, January 2020
Where
Long-Term Care Went Wrong and How to Fix It, December 2019
The Battle
Lines Are Drawn, October 2019
Long-Term
Care for Libertarians (and Austrian Economists), October 2019
To Fix
Long-Term Care, Redefine the Problem, September 2019
Still
Standing Guard, August 2019
The
Post-Medicaid History of Long-Term Care, August 2019
Long-Term
Care and Medicaid, July 2019
Middle Market Mayhem, June 2019
The Dementia of Political Economy,
May 2019
Remember
the Middle, May 2019
The Blind Men of Long-Term Care,
April 2019
The
Pre-Medicaid History of Long-Term Care, March 2019
Amplify
LTC Sanity, February, 2019
The
Long-Term Care Trifecta, January 2019
Venezuela,
Yale and Long-Term Care, December 2018
SOA
Delivers on LTCI Again, July 2018
The Still Broken Rhythm of Long-Term Care
Reform, July 2018
The New Fallacy of Impoverishment,
June 2018
LTC Policy Blinders, May 2018
Feder/Cohen Proposal Ignores LTC Problems’ Cause, May 2018
LTC Evasion, May 2018
Feder Fantasy Fatally Flawed (Cohen
Contribution Notwithstanding), May 2018
The Medicaid Prevention Business, February
2018
LTC Calculation, February
2018
LTC Cause and Effect, February
2018
Three to
Get Ready, January
2018
Why
Couples Worry So Little about Long-Term Care, December 2017
The
Morality of Hazards, November 2017
The
Hazards of Morality, November 2017
Hagelman on “How to Fix Long-Term Care Financing", October 2017
What’s
Next?, October 2017
Of Floods,
Insurance and Long-Term Care, September 2017
Government
LTC Financing “Revolution” Averted, August 2017
Move the
Media, August 2017
“How to Fix LTC Financing” Report Released,
July 2017
My History of Long-Term Care
Financing, July 2017
Medicaid,
Home Ownership and Long-Term Care Financing, July 2017
Home
Equity and LTCI Demand, June 2017
Is it
Really Hopeless to Reduce Medicaid LTC Costs?, June 2017
The
Medicaid Moment to Save LTC, June 2017
Try
British LTC Plan Here, May 2017
The Broken
Rhythm of Long-Term Care Reform, May 2017
How Much
Could Medicaid Save?, May 2017
Medicaid Matters
Most, May 2017
Hoist with
its Own Petard, April 2017
Make
Long-Term Care Great Again, March 2017
The LTC
Wars (shawsky), February 2017
CLASS
Redux?, February 2017
What’s Wrong with Bundled and Value-Based
LTC Payments?, January 2017
The LTC Discussion Group and Marc Cohen’s
Claimant Study Presentation, November 2016
FEE for Service, October 2016
How Fiscal and Monetary Malfeasance Will
Ruin Long-Term Care, October 2016
Goodman
on Better Risk Management, September 2016
Medicaid
Malfunctions Multiply, September 2016
Centennial Careless and DYI Publicity, September 2016
Behind AHEAD, September 2016
New Report
Preview,
July 2016
The Senior
Financial Security Program, Again,
July 2016
LTC Action Plan,
July 2016
The Early History of LTC Financing (and
Why It Matters),
June 2016
Cassandra on Medicaid LTC Eligibility,
June 2016
How the
Government Ruined LTC (and We’ll Fix It),
June 2016
Fuel for LTC Change,
April 2016
No Single
Solution?, March 2016
Read Cassandra’s Quandary,
March 2016
Real ID
vs. Estate Recoveries: A Decade of Divergence,
February 2016
Three
Cheers (But Two From the Bronx) for New BPC-LTC Recommendations,
February 2016
Cassandra’s LTC Recommendations,
January 2016
Heed
Cassandra on LTC,
January 2016
The
Long-Term Care Crisis: Why Now But Not Yet?,
January 2016
The
Arrogance of LTC Analysts’ Elitism,
December 2015
The Future of Long-Term Care Seen Through
the Prism of History,
November 2015
NAHU on
LTC Financing, September 2015
LTC Sneak
Peek, August 2015
Medicaid
Annuity Abuse: A Case Study, June 2015
Should
Presidential Hopefuls Address Long-Term Care?, May 2015
Long-Term
Care Insurance: Past, Present and Future, May 2015
How Great
is Medicaid’s Unfunded LTC Liability?,
April 2015
Guest Column, "New Long
Term Care Insurance Thinking",
April 2015
SOA’s LTC Monograph, December
2014
How Does Your State Rank on
the Index of Long-Term Care Vulnerability, September 2014
The
Medicaid Dissertation, April 2014
Inspect This Plane,
April 2014
Will Bipartisan LTC Policy Be Better?,
April 2014
How to Fix LTCI in California,
April 2014
Who Gets Medicaid LTC?, March
2014
Can Long-Term Care Survive?,
February 2014
A Brief History of Long-Term Care
Financing,
January 2014
The Index of Long-Term Care
Vulnerability: A Case Study in New Jersey, January 2014
“The Index of Long-Term Care
Vulnerability: A Case Study in Virginia” Published,
December 2013
Medicaid and Long-Term Care Financing in
Georgia, August 2013
The Index of Long-Term Care Vulnerability,
August 2013
Implementing a Medicaid and LTC Financing
Study, June 2013
The Role of Estate Recoveries in LTC
Financing, June 2013
After CLASS and the LTC Commission,
May 2013
Shelton on LTCI,
April 2013
SCAN the LTC Possibilities,
April 2013
The LTC
Problem and Solutions: Thousand Bullets Retrospective,
February 2013
The
Myth of Unaffordability . . . Still!, December 2012
LTC
Graduate Seminar Updated, November 2012
Cut
Medicaid to Help the Poor, November 2012
Maine
LTC Financing Study: Preliminary Findings and Queries,
September 2012
The
Maine Thing About Long-Term Care,
September 2012
How the
Government Ruined LTC (and We’ll Fix It),
August 2012
Why
Don’t More People Buy LTC Insurance?, July 2012
Private
Long-Term Care Financing Alternatives, March 2012
Dual Eligibles and Long-Term Care: How to
Save Medicaid LTC $30 Billion Per Year and Pay for the "Doc
Fix", March 2012
Rebalancing Long-Term Care,
March 2012
Medicaid Planning for Long-Term Care,
February 2012
Medicaid LTC Eligibility,
February 2012
The
History of Long-Term Care Financing or How We Got into This Mess,
February 2012
How to
Fix Long-Term Care, February
2012
Near-Term Prospects for Long-Term Care Financing Reform,
January 2012
Why
Don't Consumers Insure Against LTC Expenses? (LTC Embed Report # 9),
October 2011
Super
Committee Savings from Medicaid (LTC Embed Report #3),
August 2011
Pay for
the Doc Fix by Fixing Medicaid LTC (LTC Embed Report #2),
August 2011
LTC
Over There, July 2011
The LTCI Manifesto, May 2011
We Help New York with Medicaid LTC Redesign,
March 2011
Our Op-Ed on Medi-Cal LTC,
February 2011
How to Save Pennsylvania Billions: Two
New Center Studies Released, January 2011
"Medi-Cal LTC: Safety Net or Hammock?"
Report Released, January 2011
A Forgotten Entitlement, September 2010
LTC Embed Report from the Policy Front in Pennsylvania,
July 2010
New LTCI Report: Research or Propaganda?,
June 2010
New
State X Project: Own this LTC Research Project, February 2010
"Doing LTC RIght" or The Medicaid Mouse
that Roared, January 2010
Baucus
Means Bupkus for LTC, September 2009
Rhode
Island Read, September 2009
How
Medicaid LTC Sprung a Leak, September 2009
The Age Wave, The Ocean State, and
Long-Term Care, September 2009
So What
If the Government Pays for Most Long-Term Care?, July 2009
How
Estate Recovery Protects the Poor AND the Affluent, July 2009
LTC
Clueless, May 2009
Would
New LTC Proposal Save $35 Billion?, April 2009
Do We
Need an LTC Tea Party?, April 2009
New LTC
Financing Study Uninterpreted or Misinterpreted, March 2009
LTC
Schadenfreude, February 2009
Feds
Bite the Big LTC Financing Apple,
January 2009
The
Entitlement Hurricane, December 2008
Think
Reverse, Book Review, December 2008
What
Ruins the LTCI Market?, September 2008
Uninsurance Problem Solved. For LTC Too?, August 2008
LTC
Compact Update, June 2008
How to
Cure LTC, April 2008
Hillary on LTC,
February 2008 LTC Tour in North
Carolina; Report Published, January 2008
Hillary Clinton on
LTC, January 2008
The
Trojan Horse of LTC,
October 2007
The
LTCi Conspiracy, October 2007
LTC
Culture Shock, August 2007
Medicaid's
Raw Deal, August 2007
New
Books on Long-Term Care Planning, August 2007
The
NY Compact:
Analysis, Conclusions, and Recommendations,
July 2007
The
New York Long-Term Care Compact Proposal, July 2007
Medicaid
Estate Recover. . .up, July 2007
GAO
on LTCI Partnerships,
June 2007
GAO
AWOL on LTC TOA,
May 2007
Medicaid
Flunks, So What Now?
April 2007
First
Do No Harm,
April 2007
LTC
Compact Study Proposal,
April 2007
States
Can Fix Long-Term Care Problems,
April 2007
What's
Really Happening to Long-Term Care?, April 2007
Don't
Mess With Texans' LTC--Fix It!,
March 2007
What,
Me Worry About Medicaid and LTC?, February 2007
False
Spring in Long-Term Care Winter, January 2007
The
Eyes of Texas are Upon Elder Care,
December 2006
The
Future of LTC and Medicaid, November
2006
The
Brave New World of Long-Term Care, November 2006
Plain(s)
Talk on Medicaid and Long-Term Care,
November 2006
Why
They Don't Buy LTCi, October 2006
LTC
Blues in the Empire State,
October 2006
What
States Should Do About the DRA, LTCi and HEC,
October 2006
Forward
on Reverse Mortgages,
August 2006
LTCi's
Toughest Questions Answered,
August 2006
Medicaid
Commission Errs by Omission,
August 2006
Kansas
Study, July 2006
LTC
Grab Bag, June 2006
A
Different Approach to LTCI, June
2006
Medicaid
Commission Update, May 2006
NYT
Editorial Favors HEC for LTC, April 2006
Who
Still Gets Medicaid LTC Without Spending Down?,
April 2006
Told
You So, April 2006
Financial
Planning Made Easy,
March 2006
State
Tackles the Real LTC Challenge ,
January 2006
So
What If the Government Pays for Most LTC?, 2004 Data Update ,
January 2006
What Goes Around, Comes Around:
The IG and Estate Recoveries ,
November 2005
How Japan
Escapes "LTC Hell", November 2005
Medicaid
LTC More Generous than English Socialized System,
October 2005
The
Critical Role of Medicaid Estate Recoveries ,
September 2005
Disaster
Come Disaster , September 2005
Aging
America's Achilles' Heel ,
September 2005
Long-Term Care
Insurance Under the Microscope ,
August 2005
Alzheimer's
Association Shortsighted on LTC Financing, July
2005
Bing,
Bang, Boom:
Another Plan for LTC Reform ,
June 2005
The
"Durable" Reverse Mortgage ,
June 2005
New Book and Interview on
LTC Planning, April 2005
Who is the Lone Ranger of
Long-Term Care?, March 2005
New Book on Reverse
Mortgages Plus an EXTRA, March 2005
Santa Fe Rules,
March 2005
How Medicaid Crowds Out
LTC Insurance, February 2005
The Minnesota Twins:
Medicaid and Long-Term Care, February
2005
Use Your Home to Stay . .
. Off Medicaid!, February 2005
So What If the Government
Pays for Most LTC, 2003 Data Update,
January 2005
How to Save Medicaid $20
Billion Per Year, January 2005
To Save Long-Term Care,
Ask the Right Questions, December 2004
Out of the Medicaid
Frying Pan, Into the Fire, November 2004
Medicaid and LTCi in KS
and LA Support Center's Analysis,
October 2004
The Realist's Guide
to Medicaid and Long-Term Care,
September 2004
Medicaid's Perverse
Incentives, August 2004
LTC Tickler,
June 2004
HEC of a Way to Pay for
LTCi, April 2004
LTC Financing Irony,
January 2004
The Heartland Model for
Long-Term Care Reform, December 2003
Huge New Funding Source
for LTC and LTCI, November 2003
Medicaid and the Future
of Long-Term Care Financing, September
2003
"And Thou Shalt
Honor" -- How to Get Involved, July
2003
State Farm/Roper LTCI
Poll Informs but Begs Bigger Question,
June 2003
Paean to Providers in
Pain, June 2003
Scully Has it Right,
Almost, June 2003
LTC Allegory Strikes a
Chord with Providers, May 2003
Options for the LTC
Uninsurable, May 2003
The Magic Bullet for
Long-Term Care, May 2003
On the Lack of True
Marketing of Long-Term Care Insurance,
May 2003
The
Florida Fulcrum, April 2003
No April Fools Joke,
April 2003
SNALF Interview on How to
Save Medicaid, March 2003
The Elephant, The Blind
Men and Long-Term Care, March 2003
Medicaid Reform Proposal
Might Save Medicaid LTC and Unleash LTCI,
February 2003
Whither We Are Tending in
Long-Term Care, February 2003
HIAA's New LTCP Books,
Course and Designation Evaluated,
February 2003
Eldertopia,
January 2003
New LTC Expenditure Data
Provide Clues to Low LTCI Sales and LTC Facilities' Financial Woes,
January 2003
Where the LTC Action Is,
December 2002
Long-Term Care,
Medicaid, and the Government Fiscal Crisis,
December 2002
The Triathlon vs.
the Triumvirate: Why Can't We Fix Long-Term Care?,
November 2002
"For the Benefit of
My Patients", November 2002
What Can One
Physician Do About Long-Term Care?,
November 2002
Let the LTC Revolution Begin,
November 2002
"First Do No
Harm", November 2002
Ominous
Parallels--Medicine and LTC, October
2002
How to Save
Medicaid LTC, October 2002
Denial is Not a River in
Egypt, September 2002
And Thou Shalt Honor,
September 2002
Atlanta
Journal-Constitution LTC Series Hits Mark for
Best Solution, August 2002
National LTCI
Conference Forthcoming--Scholarships Available,
July 2002
Sweden Shrugs on LTC,
July 2002
Provider
Praises LTC Insurance, July 2002
ALEC
Says Abolish the Medicaid Ghetto and Put Patients First,
June 2002
LTC Workforce Blues, May 2002
The Welfare Rush, April 2002
Two New Articles on LTC
Financing, April 2002
Drugs,
Technology and LTC
, March
2002
Great
Opportunity to Learn LTC in New Orleans,
March 2002
Who Will Buy LTCI?,
February 2002
SNALF
Interview Reviews Past, Plots Course for Future,
February 2002
New Brochure on LTC Insurance,
December 2001
2002 SOA LTC Insurance Conference Coming Up,
November 2001
New Must-Read Book on LTC Financing,
November 2001
Open
Letter to Policy Makers, November 2001
Are Your Parents Driving You Crazy?,
October 2001
Triathlon Conclusions and Recommendations,
August 2001
Let the Race Begin,
August 2001
Shelton Does it Again,
July 2001
How to Advance Progress on LTC Reform,
Long-Term Care and the Four Urban Legends, May 2001
How to Avoid the Long-Term Care Trap,
May 2001
JBQ on LTCI, April 2001
Long Term Caring,
April 2001
2001 USHC LTCI Guide, March 2001
Polisher Polishes
LTCI/Assisted Living Relationship, February 2001
Long-Term
Care's Race for Survival,
February 2001
Triathlon Report Findings Resonate,
January 2001
LTC:
What's Wrong, Who's to Blame, How to Fix,
December 2000
Principles
of Long-Term Care, December 2000
Useful Report
from Milbank, November 2000
The LTC Triathlon,
October 2000
LTCI Brass Needs NIC,
August 2000
Will Olmstead
Help or Hurt Long-Term Care?, August 2000
Of Floods,
Insurance and Long-Term Care, August 2000
Thriving
After 55, August 2000
UK
Government Endorses Fundamental Principle of LTC Choice, July 2000
Heritage Lecture on LTC Financing Now
Available, June 2000
Levy's
Cadette Strikes Again, June 2000
ACLI
on LTCI, May 2000
Pigs,
Pythons, and Politics: How to Survive the Aging
of the Baby Boomers, May 2000
LTC
on NPR, March 2000
New
"Cadette" in the LTC Financing Battle, March 2000
Growing
Academic Credibility of LTC Insurance, March 2000
L.A.
Times Highlights Center's LTC Choice Plan, January 2000
Provider
Nails It!, January 2000
"What's
the Best Reason to Buy LTC Insurance?", October 1999
Study
Shows Most Can Afford LTC Insurance, September 1999
NCPA
Recognizes Center Proposal, September 1999
Age
Power, September 1999
The
Myth of Unaffordability, August 1999
Can
LTC Be Privately Financed?, July 1999
What
a Mess, May 1999
We
Couldn't Have Said It Better Ourselves, May 1999
U.K.
Should Consider Center's Plan, March 1999
Former
Secretary for Aging Confirms Center Message, March 1999
Seniors
Housing Report Updated, March 1999
LAN
on LTC, February 1999
Scary
Numbers, January 1999
Center's
Message Resonates with Policy Experts, January 1999
Center
President Addresses LTC Crisis before D.C. Media, December 1998
An
Open Letter to the Medicare Commission, September 1998
Concord
Coalition Takes Position on LTC, July 1998
States
Put LTC Puzzle Pieces Together, June 1998
Reality Check: The Facts on LTCI
Addressing inaccuracies and
faulty data that abound in media coverage of long term care insurance.
Includes anecdotes from the popular press that highlight the benefits of
planning ahead and taking personal responsibility for long term care.
Return to top of page
Why Too
Little Home Care?, June 2019
Standing Guard, June 2018
The State of
LTCI: Myths, Facts and the
Wall Street Journal Article,
April 2018
It’s Time to Stop Bashing Long-Term Care
Insurance,
February 2018
LTCI Expert Fights Back,
February 2018
LTCI Under
Fire, January 2018
Three to
Get Ready, January 2018
Don’t Buy
LTCI?!, January 2018
Who Isn’t Covered by Private Long-Term
Care Insurance?, October 2016
Claude
Thau Has Your Back, September 2016
Real vs. Mythical Medicaid,
August 2016
LTCI Defeatism,
April 2016
Another
LTCI Hit Job?, October 2015
Guest
Column, “Real Sleight of Hand”, June 2015
Dog Bites LTCI,
February 2015
When Bad Models Happen to Good People,
January 2015
How Careless Economists Boosted LTC Risk,
December 2014
WSJ
Misfires on LTC Insurance, February 2014
PBS’s 6 LTC Tips Miss the Mark,
November 2013
The LTC Blind,
October 2013
Medicaid Spend Down that Isn’t and Why it
Matters, July 2013
Reality Check: The Facts on LTCI: Thousand
Bullets Retrospective, April 2013
Nursing
Home Spend Down Misunderstood and Late-Breaking LTCI Industry News,
July 2012
Why 9
Out of 10 Get LTCI Wrong, November 2011
The
Enemy of LTC Truth, February 2010
Hang
Together or Separately, September 2009
Health
Reform and Divorce, August 2009
We
Reply to Washington Post Blast at Federal LTCI, August 2009
The
Death of Insurance, August 2009
The
Dark Before the LTCI Dawn, July 2009
LTCI
Turmoil, June 2009
KFF
Misfires on LTCI, June 2009
Dual
Purpose Life Insurance, April 2009
LTC
Partnership Cost-Effectiveness, April 2009
Can
LTCi Really Work?, March 2009
LTCi
Pollyannas, March 2009
How to
Grow LTCi Distribution,
February 2009
LTCi Can Save Medicaid LTC and Vice Versa, February 2009
We
Critique WSJ on Medicaid Planning,
January 2009
NYT
Asks Medicaid Planner to Advise on LTCI, July 2008
Pre-emptive LTC Media Response, March 2008
National Underwriter Highlights Center's WSJ Response,
March 2008
WSJ
Attacks LTCI, We Respond, February 2008
Roll Call
Exposes
Sleazy CREW, January 2007
LTCI's
Share of LTC Costs, November 2007
125,000
LTCi Policies and No Claims Payment Problem,
October 2007
LTC
Racism, September 2007
Take
Georgetown's Facts With a Big Grain of Salt,
February 2006
Facing
Facts on Medicare and LTC Financing, May 2006
Kaiser
Cover-Up Continues, April 2006
Microsimulate
This!, March 2006
On
Using Home Equity for LTC, March 2006
Public
Misperceptions About Retirement,
March 2006
The
Savage Number, February 2006
Georgetown,
GAO and Kaiser:
The Bermuda Triangle of Good LTC Policy,
Jaunuary 2006
Index
of the Long-Term Care Uninsured,
January 2006
LTC
Demagogy ,
December 2005
A
Taste of What's to Come ,
November 2005
USA
Today
"Burns" Nursing Homes ,
October 2005
Long-Term
Care's Broken Window ,
October 2005
What's Wrong With This
Advice?, November 2004
Reality Check: Flawed
Article on LTCi, October 2004
How Middle Class Medicaid
Ruins LTC for Everyone, May 2004
AARP Harping Misses Mark
on LTCi Rate Stability, May 2004
John Stossel on LTCi . .
. Oops, Flood Insurance, March 2004
When Should You Buy LTCI
and Why?, December 2003
Consumer Reports Targets
LTCI, Hits Self, October 2003
Reader's Digest Tells
Subscribers How to "Shed Their Assets" to Get Medicaid,
October 2003
50 Ways to Survive in
LTCI--Book Review, August 2003
The WSJ on LTCI--Reality
Check, July 2003
Shelton's 2003 LTC
Planning Guide is Good and Current, June
2003
Massachusetts’s
Legislators Misguided on LTCI, May 2003
"Elder Rage" is
a Hoot, May 2003
Book Report: LTC Planning
for Idiots, December 2002
Book Report: "J.K.
Lasser's Choosing the Right Long-Term Care Insurance",
December 2002
Post Pans Policies, but
Tell Tells it Like it Is, October 2002
OPM on LTCI,
April 2002
WSJ
Misses Mark on LTCI
, February 2002
Why LTCI?,
August 2001
Educating the Educators,
June 2001
Budish and Gordon
on LTCI and Medicaid Planning, February 2001
Boomers
Can't Rely on Inheritance Bonanza,
January 2001
The
Mote in LTC's Eye, January 2001
Reporter Nails It,
November 2000
Handy
New Tool, November 2000
Goetze Gets It,
October 2000
Hyman Low on LTCI Savvy,
October 2000
Medicaid
vs. LTC Insurance for Home Care, October 2000
Education is Key,
says EBRI on LTCI, September 2000
Year 2000 Shelton
LTC Guide Available, September 2000
Of Floods,
Insurance and Long-Term Care, August 2000
Thriving After 55,
July 2000
The
Savage Truth About Long-Term Care,
July 2000
Women
Be Wary, June 2000
Learning
the Hard Way , June 2000
Who
Needs LTC Insurance?, May 2000
ACLI
on LTCI, May 2000
Barron's
Rebuttal (full text letter), April 2000
Barron's
Analysis: Not All It's Cracked Up To Be,
April 2000
What
Really Is Long-Term Care?, March 2000
Why
People Purchase Private Insurance, December 1999
LTC
Pledge,
December 1999
Smart
Money
Isn't So Smart, November 1999
Another
Reason to Avoid Medicaid, November 1999
Going
Against the Tide…With Help, November 1999
"LTC
Reality Check" Series Starts Today, October 1999
"What's
the Best Reason to Buy LTC Insurance?", October 1999
Is
Medicaid Planning Ethical?, October 1999
Study
Shows Most Can Afford LTC Insurance, September 1999
AOK
Article on LTC in AZ, September 1999
TQ/NTQ,
Touche, August 1999
Money
Magazine Misguided on LTC Insurance, August 1999
Report
Biased Against LTC Insurance for Women, August 1999
Eldercare
Advocate on Planning Ahead for LTC, August 1999
Public
Official Endorses LTC Insurance, July 1999
Kiplinger's
Guides Readers on LTC Insurance, July 1999
LTC
Insurance Can Prevent Financial Ruin, June 1999
A
Day In the Life, May 1999
Aging
Anomalies Analyzed, April 1999
Wall
Street Journal on LTC Insurance, April 1999
Ticker
Toolbox Touts LTC Insurance, March 1999
Terry
Savage Helps Consumers with LTC Insurance, March 1999
Caregivers
Plan for LTC, December 1998
Terry
Savage Endorses LTC Insurance, October 1998
Money
Magazine Recommends Boomers Protect Parents, October 1998
Medicaid
Planning Exposed, July 1998
WSJ
Affirms Planning for LTC is Critical, July 1998
New
York Times Misinformed on LTC Insurance, June 1998
Medicaid Planning
The impact
on public programs and benefit recipients, the latest court and
administration rulings and the effect on the marketability of private
long-term care solutions.
Return to top of page
Understanding Medicaid Spend Down,
July 2024
How Medicaid
Subsidizes the Funeral Industry,
February 2024
The Medicaid
Spend Down Bullets, June 2023
LTC Strawman,
September 2022
Using Medicaid
to Protect Inheritances, June 2021
Spousal
Impoverishment, Then and Now, January 2021
Who Wins,
Who Loses When Medicaid Misleads? Part 2, November 2018
Who Wins, Who Loses When Medicaid
Misleads?, October 2018
How and How Much Medicaid Reduces Lifetime
Medical Spending for Affluent Retirees,
October 2018
On the
Ethics of Medicaid Planning,
August 2017
Is it
Spend Down or Medicaid Planning?,
July 2017
Medicaid
Planning Hits a New Low, March 2017
Medicaid
Planning in the Bull’s-eye, February 2017
Spousal Impoverishment?,
January 2017
LTC
Annuities: To Get or Avoid Medicaid?, June 2015
Medicaid
Planning Writ Large, April
2015
Sue or
Be Sued, October 2014
Free LTC Loan With No Pay Back Required,
August 2014
GAO Punts on Medicaid Planning,
July 2014
How to End Medicaid Annuity Abuse,
February 2014
Medicaid Planning—The Rest of the Story,
February 2014
Annuity Blues, November 2013
Do the Rich Benefit from Medicaid?,
August 2013Wisconsin Tackles Medicaid Planning,
July 2013
LTC Bullet #1,000: Medicaid Planning:
Thousand Bullets Retrospective,
May 2013
The Medicaid Program Integrity Act,
May 2013
States
Decry Medicaid LTC Loopholes, January 2013
Medicaid Planning for Long-Term Care,
February 2012
Russian
Mafiosos, Medicaid and LTC, July 2011
Spousal Refusal Robs Taxpayers and the Poor,
December 2010
Medicaid Planning Up, LTCI Down,
August 2010
Connecticut Expands Medicaid LTC Largesse,
July 2010 Freddy
Krueger and Medicaid Planning, October 2009 Why Stimulate Medicaid Planning?,
February 2009The LTC
Housing Sieve, July 2008
Medicaid Planning Update, June 2008
WSJ
Advises on Medicaid Planning,
July 2007
Medicaid
Pushers, May 2007
Legal
Abuse of Medicaid LTC Rife Post-DRA,
May 2007
NAELA
Overboard,
February 2006
Dueling
Letters,
August 2006
How
Medicaid Short Changes LTC Providers, Insurers and Patients,
June 2006
Texas
Gerontologist Whips Medicaid Planner in TV Debate, May 2006
Spousal
Refusal: Who Wins?
Who Loses?, April 2006
NAELA's
New Nadir, March 2006
LTC
Doubletalk,
January 2006
NPR
Defends Medicaid Planning, Attacks Messenger,
January 2006
Rural
Hijinks--Buy Cattle, Hide $737,960, Get Medicaid ,
December 2005
The
Great Debate on Medicaid and LTC,
August 2005
LTC
Bombshell ,
June 2005
Should
Medicaid Protect Retirement Savings?,
June 2005
Where
There's Smoke, There's Fire ,
May 2005
GAO on TOA ,
May 2005
SSI Expands Medicaid's
"Renoir" and "Two Mercedes" Loopholes,
March 2005
New York Medicaid
Planners Are Coming Around, April 2005
Roll Call's Kondracke
Says Stop Medicaid Planning Abuse and Encourage LTCi,
March 2005
Special Alert, Time
Sensitive, Please Read Now, February
2005
Transfer Your Home to Get
Medicaid?, February 2005
Help Wanted--How are
Medicaid Friendly Annuities Negotiable?,
December 2004
Is the Jig Up for
Medicaid Planning?, December 2004
Foxes Guarding the
Chicken House, December 2004
Medicaid vs. LTC,
November 2004
Courts Promote Medicaid
Planning, September 2004
CBO Says Medicaid Crowds
Out LTC Insurance, June 2004
Medicaid Planning and
Estate Recovery Issues Are Heating Up,
May 2004
Takacs
Tackles LTC Anomalies, April 2004
The Medicaid Seduction,
April 2004
Guardian Nightmare or How
Heirs Rob the Elderly, March 2004
How Medicaid
Planners Seduce Nursing Homes, March
2004
No Wonder They Don't Buy
LTCi, March 2004
Medicaid Maneuvers Are
Dangerous, Warns WSJ, February 2004
Basich Balderdash on LTC
Financing, January 2004
What Should Be Done About
Medicaid Profiteers?, December 2003
Medicaid, LTCI and RAMs:
The CMS Perspective, November 2003
Medicaid Planners
Convicted, November 2003
Mr. Long-Term Care Speaks
Out, October 2003
Medicaid Planners Confess,
October 2003
What Goes Around Comes
Around, August 2003
Medicaid Loopholes by
State, July 2003
LTC Safety Net or
Inheritance Insurance?, July 2003
USA Today Blasts Medicaid
Planning, Urges Reform, July 2003
Medicaid Planning Ads in
the New York Times, April 2003
In the Lion's Den of
Medicaid Planning, February 2003
Wall Street Journal
Blasts Medicaid Estate Planning Today, February 2003
They're Baaack, Part VI:
"Medicaid for the Upper Crust",
January 2003
Kudos to CLTC, Inc.,
October 2002
Medicaid Planning Full
Disclosure, September 2002
Is Medicaid Planning OK
if Insurers (Not Lawyers) Do It?,
September 2002
Medicaid
Whack-a-Mole Supercharges the LTC Partnership,
August 2002
Board Chair Claude
Thau on Medicaid Planning, July 2002
Connecticut Attacks Medicaid Planning to Save Money and Encourage Private
LTCI, June 2002
"Nursing
Home Care Virtually Free For Life", May 2002
New LTCI Policy You Can Buy
after the Insurable Event Occurs, May 2002
Supremes
Sing Sour Note for Medicaid Planning,
February 2002
They're Baaack, Part V: "A Person With $1 Million Is Not Wealthy",
January 2002
Insurers Acknowledge
Role of Public Financing, December 2001
Divorce,
Medicaid Style, November 2001
They're
Baaack, Part IV:
"Abandon Your Spouse . . . Get Medicaid",
October 2001
Working Both Ends, August 2001
They're Baaack, Part III: "Buy Cattle, Get Medicaid,
July 2001
They're Baaack, Part II:
Frank Comments, July 2001
JD Warns DPOAs Dangerous,
June 2001
JBQ Decries Exploitation of Medicaid,
June 2001
Medicaid's Greedy Henchmen,
May 2001
They're Baaaack . . . Medicaid Planners Rise
Again, April 2001
Planning for Public Benefit Eligibility,
April 2001
Medicaid Estate
Planning Unmasked, March 2001
Stumbling
on the Next Step, January 2001
FL Court Decisions Reflect Injustice of Medicaid Planning,
January 2001
HCFA Slams
Medicaid Loophole Shut!, November 2000
Hot Tip and Best
Practice, August 2000
Bill Gates on
Medicaid?, August 2000
Thriving After 55,
July 2000
Open
Letter to HCFA, July 2000
NY's
Highest Court Opens Door to Further Medicaid Abuse,
June 2000
CLTC
Certification Program Ejects NAELA, May 2000
Is
Medicaid Planning Elder Abuse?, May 2000
Insurance
Exec Misses Mark on Medicaid Planning, April 2000
HCFA
OKs Estate Recovery of Annuity Proceeds, April 2000
Elder
Law Attorney Promotes Medicaid Alternatives, March 2000
Kiplinger
Comments Draw Medicaid Complaint, March 2000
Burning
Nursing Homes at Both Ends , February 2000
LTC
Insurance Made Simple, January 2000
Progress!,
January 2000
Defense
of Medicaid Planning Ignores Consequences, December 1999
Three
Cheers...But One From the Bronx!, December 1999
NYT
Readers Denounce Medicaid Planning, November 1999
More
Bad Advice from Consumer Reports, November 1999
Must
Attorneys Advise About LTC Options?, October 1999
Is
Medicaid Planning Ethical?, October 1999
Where's
the Outrage?, September 1999
Jane
Bryant Quinn on Medicaid Planning, September 1999
On
Rich Bankrupts and Wealthy Welfarers, August 1999
Ad
is More Evidence of Medicaid Competition, July 1999
LTC
Insurance Gets Short Shrift in Favor of Medicaid, July 1999
Why
Not Medicaid?, July 1999
More
Merchandising of Medi-Cal, March 1999
Center
VP Argues Dangers of Medicaid Planning, March 1999
Medi-Cal
(California Medicaid) is for Everyone?, February 1999
Medicaid
Eligibility Vise Squeezes Tighter, February 1999
Perils
of Medicaid, February 1999
A
Pedigree of Poverty-Making, December 1998
Certifiable
Suckers?, December 1998
Prominent
Attorneys Discuss Criminalization, November 1998
More
Duplicity From Medicaid Planners, November 1998
Attorneys
Promote Medicaid as Alternative to LTC Insurance, October 1998
Good
Advice from a NAELA Attorney, October 1998
NY
Court Gives Green Light to Medicaid Planners, September 1998
Widespread
Medicaid Planning Confirmed…Again, August 1998
Update
on "Granny's Attorney Goes To Jail", July 1998
Medicaid
Minefields Indeed!, July 1998
Medicaid
Planning Exposed, July 1998
New
York LTC Executive Speaks Out, June 1998
NY's
Highest Court Rebuffs Aggressive Medicaid Planning,
June 1998
Did
Janet Reno Legalize Medicaid Fraud?, June 1998
USA Today Takes Medicaid Planning to Task, May 1998
CNN Update on "Send Granny's Lawyer to Jail Law", May
1998
LTC Services
Highlights the link between
private financing and quality services. Return
to top of page
LTCI and
Innovative Financial Planning,
March 2023
LTCI
Education, February 2023
Go Fund What?,
April 2022
LTC Good News,
March 2022
LTC Center Standing Guard,
May 2021
The Gold
Standard for Long-Term Care Insurance,
May 2020
LTCi Pool
of Money Calculator, June 2019
Tribute to Phyllis Shelton, June
2018
Who’s
Responsible? Who Isn’t?, June 2018
LTCI’s Responsibilities, April
2018
Don’t Buy
LTCI?!, January 2018
The LTCI
Roller Coaster, January 2018
LTCI Optimism,
May 2016
Where’s the Disconnect?,
May 2016
Losing Principles, April 2016
Using Life Insurance Death Benefits to
Fund LTC, April 2016
LTC
Un-Awareness Month, October
2015
The
U.S. Economy Needs Long-Term Care,
August 2015
LTC
Annuities: To Get or Avoid Medicaid?, June 2015
Medically
Underwritten Annuities for LTC, May 2015
The
Fearless Caregiver, March 2015
Being Morbid,
February 2015
Life Insurance for LTC,
January 2015
The Advisor’s Guide to Long-Term Care,
2nd Edition: A Book Review, November 2015
Why Buy LTCI?,
October 2014
LTC Awareness: Easier Said than Done,
October 2014
Out of the LTC Frying Pan into the Fire,
August 2014
Keynes vs. Hayek on LTC
Insurance, August 2014
Buy or Wait?,
May 2014
ILTCI Conference Preview, March
2014
Government LTC is Getting Old,
December 2013
The Insurance Dilemma, November
2013
Why Don’t Children Buy LTCI for Parents?,
October 2013
The Tarnished Name of Assisted
Living,
September 2013
Guest Column on Linked Products,
September 2013
LTC Services: Thousand Bullets
Retrospective, September 2013
Book
Review: “Take That Nursing Home and Shove It”,
February 2013
LTC
Good News/Bad News, January 2013
So What
If the Government Pays for Most LTC?, 2011 Data Update,
January 2013
Critical Care Could Grow the LTCi Market,
July 2012
What
the HECM is
Happening with Reverse Mortgages?, June 2012
Double
Trouble, May 2012
Home Equity,
Long-Term Care, and Retirement Income Security, April 2012
RCFs and Duals
Impact Medicaid and LTCI, April 2012
The
Completely Understandable LTCI Buyer’s Guide,
March 2012
LTC
Mixed Messages, June 2011
LTC
Hysteria, June 2011
All
Hail 3in4's Big Apple Promotion, May 2011
LTCI + RMs = HCBS?, May 2011
Survival Guide for Alzheimer's Caregivers,
May 2011
Interview with Prudential's Malcolm Cheung, April
2011
The Evil Genius of LTC Financing, April
2011
The Gathering LTC Storm,
November 2010
LTCI "Over There",
November 2010
No
Good Deed Goes Unpunished,
October 2010
The CLASS-LTCI Side-by-Side, September
2010
New LTC Tour, August 2010
LTC Parallels in Britain, August 2010
Sue Financial Planners for Bad LTCI Advice?,
June 2010
Private LTC Insurance Vindicated, April
2010
Retirement Security, Reverse Mortgages, and
LTC,
March 2010
The 10 Things You Must Know About Long-Term Care,
March 2010
Reflections on Long-Term Care Planning, December 2009
The
Impending Collapse of the Roadblocks to LTC Insurance,
December 2009
KC
Summit Outperforms, November 2009
Health
Reform and Economic Reality, November 2009
LTC
Embed Report from Big Sky Country,
October 2009
Medicare/Medicaid Meltdown Means More LTCI,
October 2009
Vets
"Confined to Quarters" by VA, July 2009
Why
Nursing Homes Evict the Poor Elderly, February 2009
LTC Whammy!, October 2008
You Get
the Long-Term Care You Pay For, October 2008
What's
Your LTC Plan?, October 2008
The
Savage Truth on LTCI, September 2008
The LTC
Promise, September 2008
LTCI
Thrives on HCBS While Medicaid Flounders, August 2008
Marilee Driscoll Reports on the 2nd Annual Partnership
Summit (Part 2 of 2), August 2008
Marilee
Driscoll Reports on the 2nd Annual Partnership Summit (Part 1 of 2),
August 2008
LTC
ViaRail, May 2008
LTC
Planning Requires Emotion AND Thought, April 2008
Reversing
Your Mortgage for Elder Care, February 2008
LTC Tour Touches
LTC Providers, February 2008
A Home Can Protect
Both Health and Wealth, November
2007
The
Senior Solution--Book Review, November 2007
Who
Ya Gonna Call?,
October 2007
Why
Not Medicaid?,
October 2007
Book
Review--Harley Gordon's Latest,
September 2007
Nursing
Home Pot Calling LTCi Kettle Black?, August 2007
The
Long-Term Care Graduate Seminar, August 2007
What's
Really Happening to LTC?, July 2007
The
Brave New World of Long-Term Care,
June 2007
How
CMS Bought a Half-Billion-Dollar Double-Edged LTC Sword,
May 2007
LTC
on the House, May 2007
Sucker
Punched in Dallas, April 2007
Focus
on AALTCI, March 2007
JBQ
in Newsweek: Use LTCI or RMs, Not Medicaid, March 2007
LTC
Embed: Report from the Policy Front,
March 2007
LTC
Embed: Reverse
Mortgage First Impressions, February
2007
Special
Edition for LTCi Producers, November
2006
Congressional
Quarterly Nails the LTC Issue,
October 2006
Moses
and Shelton on NPR re LTCi,
September 2006
Damned
if You Don't, August 2006
Kiplinger's:
Beware Medicaid, Buy LTCi, Get HEC,
April 2006
What
I Believe About Long-Term Care,
March 2006
Book
and Interview on LTC Planning--New Edition,
February 2006
A
New Cannon in Our Health Policy Arsenal, September 2005
Who
Should Pay for Long-Term Care?, September 2005
WSJ
Says Don't Count on Government for LTC, September 2005
LTC
Debate Preview and Guide, September 2005
Sound
Solutions for Long-Term Care,
August 2005
I
Don't Need LTCi . . . I Have VA, July 2005
LTCi
Coverage:
What's the Right Size?,
May 2005
Why Does Georgetown Dodge
RAMs?, April 2005
Should You Buy LTCi? Or
What if You Don't?, April 2005
Big Problems, Small
Victories, March 2005
Of Superman, Bedsores and
Nursing Home Litigation, November 2004
LTC Juxtapositions,
October 2004
Simple Guide to Reverse
Mortgages, September 2004
Who Should Pay for
Long-Term Care?, September 2004
Caregiving Crisis
Continues, August 2004
Do People on Medicaid Get
Worse Nursing Home Care?, August 2004
Could You Lift Your
Husband From the Floor?, June 2004
The Sirens' Call, The
Primrose Path, and Assisted Living, May
2004
On The New Math of
Long-Term Care Insurance, March 2004
LTCi Professional
Liability for Financial Advisors, March
2004
Changing LTC
Public Policy: Why-What-When?, February
2004
Don't Forget Why We're
Doing This, February 2004
The Unspeakable, Spoken,
January 2004
Season's Greetings and a
Holiday Policy Gift, December 2003
Don't Look to Germany for
a Long-Term Care Model, October 2003
Medicaid, Nursing Homes,
Quality Problems and Insurance: How to Connect the Dots,
October 2003
LTC is Number One
Priority, September 2003
Medicaid Waivers Waver on
Quality, July 2003
How Can Private LTC
Insurance Help Save Medicaid?, June 2003
Long-Term Care Lemmings,
June 2003
Levy's
Cadette on LTC Financing Policy, May
2003
The CLTC Class and
Certification, April 2003
"AWOLTC: LTC Leaders
Away Without Leave", April 2003
If Government and
Business Renege, Will Individual Responsibility Flourish?,
March 2003
Long-Term Care in the
Crosshairs, March 2003
ACLI's Paean to LTCI,
March 2003
Polishing Nursing Homes,
January 2003
Tough Times Ahead for LTC, January 2003
Great New LTC Financing
Approach by Any Name, January 2003
The CMS Quality Oxymoron,
November 2002
U.S. News
Zaps Nursing Homes, October 2002
Reverse Mortgages Could Fund LTC Services and LTCI Premiums,
August 2002
New CLTCF Speech: "Insurance: Private vs. Social",
July 2002
The History of
Long-Term Care, July 2002
Long-Term
Care Advocacy Shortsighted, March 2002
An
Answer for ALF Affordability, March 2002
Long-Term Care Needs Leadership Now,
January 2002
NIC's Mixed Message on
Seniors Housing, January 2002
Washington Provider Association Gets It,
January 2002
NIC
on LTCI, December 2001
Cleveland Area Providers Take Charge of Future,
November 2001
A Perspective From the Trenches,
October 2001
Doesn't Everyone
Get the Same Care in a Nursing Home?,
October 2001
Bleeding Medicaid Dry,
October 2001
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