Enid Kassner directs the Livable Communities/Long-Term Services and Supports team at the AARP Public Policy Institute. The research and policy development focuses on expanding consumer access and choice to affordable long-term services and supports options, with an emphasis on improving home- and community-based services, supporting family caregivers and making communities more livable.

Older Adults and People With Disabilities Want Choice and Control

We all like to have choices. Being able to decide where we live and work, what we eat and how we spend our leisure time all enhance life satisfaction. Having a disability doesn’t diminish the desire for choice. But unfortunately, people with disabilities often lose control over how services are provided when they depend on Medicaid for home- and community-based services (HCBS), such as meal preparation or help with bathing and dressing. It doesn’t have to be this way. Participant-directed …

Home and Community-Based Services: The Right Place and the Right Time

As evidenced at a recent hearing of the federal Commission on Long-Term Care, broad support is building: It’s time to end Medicaid’s “institutional bias.” It’s not rational that Medicaid entitles eligible individuals to be placed in nursing homes, while limiting their ability to receive services at home. On average, the Medicaid program can serve about three older people or adults with physical disabilities with home- and community-based services (HCBS) for the cost of putting one in a nursing home. Moreover, …

Private Long-Term Care Insurance: Tiny Vessel on a Turbulent Sea

The cost of long-term care (LTC) is tremendous: nearly $84,000 annually for a nursing home and typically more than $30,000 a year for home care. Among people turning 65, more than two-thirds will eventually need LTC – services that are not covered by Medicare or private health insurance. Given this risk, you might expect sales of private long-term care insurance (LTCI) to be strong. But they’re not. Private LTCI was launched in the early 1980s, but only about 11 percent …