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Articles published by Center for Long-Term Care Reform 
president Stephen A. Moses
 

What’s next for long-term care?,” by Stephen A. Moses, McKnights LTC News, December 2, 2024 (PDF version).

Long-term care policies matter,” by Stephen A. Moses, McKnights LTC News, October 28, 2024 (PDF version).

Harris Home Care Plan: Right Problem, Wrong Solution,” by Stephen A. Moses, Paragon Health Institute, October 11, 2024 (PDF version).

What if Medicaid paid market rates?,” by Stephen A. Moses, McKnights LTC News, September 16, 2024 (PDF version).

How Medicaid cripples SNFs,” by Stephen A. Moses, McKnights LTC News, August 12, 2024, (PDF version).

What assisted living needs versus what it gets,” by Stephen A. Moses, McKnights Senior Living, July 1, 2024 (PDF version.) See also: What nursing homes need, versus what they get” (PDF version).

Medicaid’s $100+ Billion Leak, by Stephen A. Moses, Paragon Health Institute, July 1, 2024 (PDF version.)

Letting Heirs Bilk Medicaid Is Bad Policy, by Stephen Moses and Brian Blase, National Review, May 7, 2024 (PDF version.)

The Medicaid LTC snafu,” by Stephen A. Moses, McKnights LTC News, April 15, 2024 (PDF version.)

Setting the Record Straight on Long-Term Care Policy,” by Stephen A. Moses and Brian Blase, Townhall, April 14, 2024 (PDF version.)

How government prevaricates about long-term care,” by Stephen A. Moses, McKnights LTC News, February 23, 2024 (PDF version.)

Government must encourage personal responsibility, prohibit easy access to Medicaid,” by Steve Moses and Brian Blase, Washington Times, November 30, 2023. (PDF version.)

The federal Medicaid bait and switch,” by Stephen A. Moses, McKnight’s LTC News, November 6, 2023. (PDF version.)

"What’s Wrong With Long-Term Care?," by Stephen A. Moses, RealClear Policy, November 2, 2022. (PDF version)

LTC insurance sales suddenly surge,” by Stephen A. Moses, McKnight’s LTC News, August 10, 2022. (PDF version.)

Long-term care’s mortal risk,” by Stephen A. Moses, McKnight’s LTC News, June 6, 2022. (PDF version.)

Long-Term Care Epiphany,” by Stephen A. Moses, Broker World, June 2022. (PDF version.)

Trappings of LTC system leave operators trapped,” by Stephen A. Moses, McKnight’s Long-Term Care News, February 23, 2022. (PDF version.)

The Great Long-Term Care Compromise,” by Stephen A. Moses, Broker World, January 1, 2022. (PDF version.)

The irony of long-term care advocacy,” by Stephen A. Moses, McKnight’s Long-Term Care News, December 17, 2021. (PDF version.)

Long Term Care Irony,” by Stephen A. Moses, Broker World, December 1, 2021. (PDF version.)

What works for long-term care and what doesn’t,” by Stephen A. Moses, McKnight’s LTC News, November 17, 2021. (PDF version.)

What’s better for senior living and care — the market or government?,” by Stephen A. Moses, McKnight’s Senior Living, October 25, 2021. (PDF version.)

Long-term care’s problems are bad and getting worse — but fixable,” by Stephen A Moses, McKnight’s LTC News, October 4, 2021. (PDF version.)

Should Medicaid protect $8 trillion from private senior living costs?,” by Stephen A. Moses, McKnight’s Senior Living, August 2021. (PDF version.)

The InLTCgentsia,” by Stephen A. Moses, Broker World, August 2021. (PDF version.)  

Great moments in unintended LTC consequences,” by Stephen A. Moses, McKnight’s LTC News, July 2021. (PDF version.)

Panel Gives States Pass in Collecting Assets for Medicaid Long-Term Care,” by Stephen A. Moses, Health Care News, July 2021 (PDF version.)

Government Violates the Long Term Care Social Contract to Your Detriment, by Stephen A. Moses, Broker World, June 2021. (PDF version.)

President Biden, tear down this wall,” by Stephen A. Moses, McKnight’s LTC News, June 23, 2021 (PDF version.)

Using Medicaid to protect inheritances,” by Steve Moses and Brian Blase, TheHill, June 10, 2021. (PDF version.)

LTC financing: Be careful what you WISH for,” by Stephen A. Moses, McKnight’s Senior Living, June 7, 2021. (PDF version.)

The social contract for long-term care,” guest column by Stephen Moses for McKnight’s Long-Term Care News, May 17, 2021. (PDF version.)

Why LTCI Fails,” guest column by Stephen Moses for Broker World magazine, March 2021. (PDF version.)

Steve Moses and Brian Blase published an op-ed in the June 2nd, 2020 Wall Street Journal. Read the back story and much more on the subject in this LTC Bullet.

"The CLASS Act and the Future of Long-Term Care Financing" - "2011 Living to 100 Monograph" - originally prepared for the Society of Actuaries January 2011 "Living to 100 Symposium" - Read the abstract here and the full paper here.

"CLASS Act vs. LTC insurance: What's best for LTC providers?," Long Term Living magazine, July 2010 -- Link to related "LTC Bullet"

"CLASS caveats," McKnight's, April 6, 2010 -- Link to related "LTC Bullet"

"CLASS Dismissed," Broker World, February 2010 -- Link to related "LTC Bullet"

"Reflections on Long Term Care Planning," Broker World, December 17, 2009

"Problems with the CLASS Act", McKnight's, October 23, 2009

"R.I. Medicaid has sprung a leak" The Providence Journal, September 17, 2009

"LTCI Turmoil" Broker World magazine, June 2009

"Healthcare reform unlikely to include long-term care" McKnight's Long-Term Care News, March 11, 2009

"Stephen A. Moses, "Letter to the editor: What is really needed to unleash the long term care market," LTC E-Wire, Vol. 8, No. 6, March 2009, http://www.lifeandhealthinsurancenews.com/Exclusives/2009/03/Pages/Letter-What-is-really-needed-to-unleash-the-long-term-care-market.aspx.

"Hillary Clinton on LTC," Health Insurance Underwriter, February 7, 2007.  PDF version.

"What's Really Happening to LTC?," Health Insurance Underwriter, Vol. 55, No. 7, July 2007, pps. 48-52; http://hiu.nahu.org/article.asp?article=1624.

"The Brave New World of Long-Term Care," Notre Dame Journal of Law, Ethics & Public Policy  http://www.centerltc.com/pubs/Articles/Brave_New_World_of_LTC.pdf 

"Long-Term Care . . . on the House," Health Care News, Vol. 8, No. 5, June 2007, p. 15; http://www.heartland.org/Article.cfm?artId=21166PDF Version

"States Can Fix Long-Term Care Problems," Health Care News, Vol. 8, No. 4, April 2007, p. 15; http://www.heartland.org/Article.cfm?artId=20757PDF Version

"Long-Term Care Conferences Upbeat," Health Care News, Vol. 8, No. 2, February 2007, p. 8; http://www.heartland.org/Article.cfm?artId=20494PDF Version

"Bias in Long-Term Care Favors Nursing Homes, Government," Health Care News, Vol. 8, No. 2, February 2007, p. 8; http://www.heartland.org/Article.cfm?artId=20493PDF Version

"False Spring in Long-Term Care Winter" Health Care News, January 1, 2007.  Link to related LTC Bullet: http://www.centerltc.com/bullets/archives2007/668.htm 

"The Future of Long-Term Care and Medicaid" ALEC Policy Forum, Vol. 8, No. 3, Fall 2006, pps. 45-47

"Long-Term Care DRAma in Congress," Health Care News, September 1, 2006.  Link to: http://www.heartland.org/Article.cfm?artId=19601

"Medicaid Commission Overlooks Private Financing Options," Health Care News, August 1, 2006.  Link to: http://www.heartland.org/Article.cfm?artId=19451 

"Analysis: Congress Strengthens Long-Term Care" Health Care News, March 1, 2006.  Link to: http://www.heartland.org/Article.cfm?artId=18583 

"Welfare for the Well-to-do," The Wall Street Journal, December 17, 2005.  Link to: http://online.wsj.com/article/SB113477649883625141.html

"Long-Term Care:  Who Should Pay?," Health Insurance Underwriter, December 2005.  Link to:  http://nahu.timberlakepublishing.com/article.asp?article=1281

"Kaigo-Jigoku (LTC Hell) and What Japan's Doing About It:  Valuable Lessons for the U.S. and Vice Versa"

"Long-Term Care’s Lone Realist Rides Again: Interview with Stephen A. Moses, President, the Center for Long-Term Care Financing," Nursing Home magazine, March 2005

"So What if the Government Pays for Most Long-Term Care" [2003 Update] Health Insurance Underwriter, March 2005.  Link to:  http://nahu.timberlakepublishing.com/article.asp?article=1117

"The Unnecessary Tragedy of Long-Term Care: A Four-Part Series for Medical Doctors"

"The Sirens' Call, The Primrose Path, and Assisted Living," Assisted Living, April 2004

"On the Lack of True Marketing of Long-Term Care Insurance" Health Insurance Underwriter, December 2003. Link to:  http://nahu.timberlakepublishing.com/article.asp?article=805 

"So What if Government Pays for Most Long-Term Care?" [2002 Update] ProducersWeb.com, July 2003 Link to: http://www.producersweb.com/home/index.php?pageID=contentFocus&adcID=eadc991bd8fe74f28c20dda07c83e733

"Long Term Care Lemmings," Broker World, May 2003

"Expert Opinion:  Stephen Moses, President, Center for Long-Term Care Financing," SNALFNews.com, posted March 10, 2003: extended interview (8 pages) with Steve Moses. Link to: http://www.snalfnews.com/ExpertOpinion.cfm?id=1059

"Long-Term Care Crisis Builds," Health Care News, Vol. 3, No. 3, March 2003.
Link to: http://heartland.org/Article.cfm?artId=11623

"People and Opinions:  LTC Funding in the Crosshairs," McKnight's Long-Term Care News, Vol. 24, No. 2, February 10, 2003; interview with Stephen Moses.

"Opinion:  The Elephant, The Blind Men and LTC" National Underwriter LTC E-Wire, Vol. 2, No. 3, February 2003, http://www.nationalunderwriter.com/LTC/articles/2003_02_elephant.asp.

"Denial is Not a River in Egypt:  A Perspective on Public Funding of
Long-Term Care,"
Health Insurance Underwriter, Vol. 50, No. 11, December
2002, pps. 36-40.

"The Inherent Individualism of Insurance," Navigator, Vol. 5, Nos. 10-11, November/December 2002, published in January 2003,  http://www.atlassociety.org/individualism-insurance

"Mandatory Long-Term Care Insurance in Germany; An Enlightening Perspective," Health Insurance Underwriter, November 2002, pps. 30-33.

"The Triathlon vs. The Triumvirate:  Why Can't We fix Long-Term Care?," Health Insurance Underwriter, September 2002, pps. 39-44.

"LTC Workforce Blues:  What you don’t know might hurt you," Health Insurance Underwriter, June 2002, pps. 46-50.

"The LTC Wake-Up Call," Advisor Today, May 2002, URL is http://www.advisortoday.com/archives/article.cfm?articleID=120.

"As I See It:  Self-Funded Consumer Accounts May Provide Answer to Affordability," Assisted Living Today, Vol. 9, No. 2, March 2002, pps. 11-12.

“LTC Financing-A Wake-Up Call,” SNALFNews.com, February 4, 2002; long interview with SM published on this provider specialty web site with picture. CLTCF published an LTC Bullet the same day announcing where to find the interview on the web.

"Long-Term Care Due Diligence for Professional Financial Advisers," Journal of Financial Planning, September 2001.   Link to:  Journal of Financial Planning PDF version.

"Researcher: Medicaid Stifles LTC Ins. Purchases," National Underwriter, 1996.  Republished by LifeHealthPRO here.  Permanent link with 2012 comment by author here.

"Planning for Long-Term Care Without Public Assistance," Journal of Accountancy, Vol. 175, No. 2, February 1993, pps. 40-44. According to a 6/24/93 letter from the editor of the Journal of Accountancy, this article" received extremely high praise" from JOA's Board of Editorial Advisers--50 CPA's who evaluate all articles published in the Journal. Read the original manuscript of the article at http://www.centerltc.com/pubs/Articles/planning_for_ltc.htm


 

 

 

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