No Silver Bullet: Lessons From International Programs for Financing Long-Term Services and Supports

Life spans are increasing around the world, but countries differ enormously in how they deal with increasing demands for long-term services and supports (LTSS). AARP International recently sponsored a policy symposium on the LTSS systems in Germany, France and the United Kingdom to inform important discussions about how to reform the U.S. system. As AARP Executive Vice President Debra Whitman noted in her opening remarks, the costs associated with LTSS represent the largest uninsured risk to the retirement security of …

Hackers Access Records for Millions of Anthem Customers

INDIANAPOLIS (AP) — Health insurer Anthem said hackers infiltrated its computer network and gained access to personal information for “tens of millions” of customers and employees, including CEO Joseph Swedish. The nation’s second-largest health insurer said it was contacting customers affected by what it calls a “very sophisticated” cyberattack that the company discovered last week. It said hackers gained access to names, birthdates, email addresses, employment details, Social Security numbers, incomes and street addresses of people who are covered or …

Should I Buy Long-Term Care Insurance?

One of the most frequent questions I get from clients is whether to buy long-term care insurance. With the average cost of a private room in care facilities topping $94,000 a year, according to a 2013 study by insurer John Hancock, it’s a reasonable concern. Many of us will need some form of long-term care (LTC), so the question of whether to buy insurance to help with the associated costs is a real one. I think the decision is a very close call. At …

Keep Low-Income Medicare Beneficiaries From Falling Through the Cracks

The Affordable Care Act allows states to offer Medicaid to low-income adults who would not have qualified under previous law. Twenty-eight states and the District of Columbia offer this expanded coverage. Those who qualify will face higher cost-sharing requirements when they transition from Medicaid expansion coverage to Medicare, but some may be eligible for traditional Medicaid benefits or Medicare Savings Programs (MSPs) that will help reduce their costs. >> Get your questions about the health law answered here. Medicare beneficiaries …

Improving Quality Measurement and e-Health in Medicaid Home- and Community-Based Services: The TEFT Demonstration

Many Americans with personal care needs receive services in their own homes to help them with daily tasks such as bathing, dressing and meal preparation. But the quality of care provided in private homes often is not measured. The medical community is beginning to adopt electronic health records: health information in a digital format that can be shared with providers. Unfortunately, these records may not be helpful to consumers, especially those with long-term care needs, in managing their own care. …

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 …