Long Term Care Financing

The need for long-term services and supports (LTSS) has increased with the aging of the population, both in California and nationwide. The cost for LTSS often surpasses the capacity of families to provide, depleting personal resources and outstripping public financial resources. As people live longer and baby boomers grow older, the need for LTSS will increase significantly, both in numbers and as a percentage of the population. We can’t afford to ignore the need for LTSS financing reform.

LeadingAge and other national organizations are exploring national and state options for long term care financing – in part to fill the vacuum left from the rescinding of the CLASS Act. In October of 2013, LeadingAge released a report that provides a framework for addressing the challenge and lays out 7 options that our country could undertake to address our non-system of financing long-term services and supports. Click here to read the report.

LeadingAge of California will be working to hold conversations with stakeholders in 2015, with the goal of prompting a statewide reform effort. Click here for a presentation that describes the issue and the actions that states can take to address the challenge.


September 16, 2017 – The SCAN Foundation has created a video describing the need for new long-term care (LTC) financing solutions that encourages everyone to raise awareness and join the conversation. Click here to view the video.

LeadingAge issued a new report, recommending a long-term services and supports insurance program with three essential features: a universal approach to coverage, a catastrophic benefit period, and a “managed cash” benefit structure. Click here to read the report.

Earlier this summer, Bipartisan Policy Center released its latest report with solutions for financing LTC. Click here to read the report.


July 6, 2016 – A bill was introduced today in the U.S. Senate that would convert the Affordable Care Act’s home-care pilot program for people with debilitating diseases to a permanent Medicare program.

Under the Independence at Home Act of 2016, Medicare would implement primary care teams to see patients at home with an aim “to reduce expenditures and improve health outcomes.” Eligible beneficiaries would include seniors or disabled people with two or more chronic illnesses, such as congestive heart failure, diabetes or Alzheimer’s disease.

Those primary-care teams making house calls could be directed by physicians, nurse practitioners or physician assistants, according to the bill’s text.

The proposal could catch on, with the government trying to move expensive care out of hospitals to rehabilitation facilities or to homes. Under the bill, Medicare would provide incentive payments to home medical practices if expenditures over a year are less than an estimated spending target.

Click here to go to CMS’s web site on the current pilot projects that are underway as a result of the ACA demonstration.

© 2022 - Senior Services Coalition
Wordpress Themes
Scroll to Top