Long Term Care Services are EXPENSIVE!
And someone has to pay for it. How will you pay for care?


  1. http://www.longtermcare.gov/LTC/Main_Site/Paying_LTC/Costs_Of_Care/Costs_Of_Care.aspx
  2. http://www.longtermcare.gov/LTC/Main_Site/Paying_LTC/Costs_Of_Care/Costs_Of_Care.aspx.
  3. http://www.longtermcare.gov/LTC/Main_Site/Paying_LTC/Costs_Of_Care/Costs_Of_Care.aspx.
  4. http://ltc.georgetown.edu/pdfs/nursinghomecosts.pdf?wwparam+1204931144. Still less than 10% in 2003.
  5. Centers for Medicaid and Medicare Services, Medicare & You 2008 Guide.
  6. Centers for Medicaid and Medicare Services, 2008 Guide to Health Insurance for People with Medicare, page 25.
  7. CMS National Health Expenditures, January 2002. Medicaid pays for 48% of all nursing home care.
  8. Omnibus Budget Reconciliation Act of 1993 (OBRA). OBRA requires each state to have an “Estate Recovery Program,” which is designed to recover the costs of Medicaid-paid benefits from that person’s estate or the estate of his or her spouse. If you are age 55 or over and receive Medicaid benefits for nursing home care and related services, OBRA requires that states recover the paid benefits in an amount equal to the total of the assistance provided from your estate. This could include your home and any other property that otherwise would be passed to your heirs.
  9. The Older Population, A Profile of Older Americans: 2001, Administration on Aging. Information in profile based on data gathered in the 2000 U.S. Census.
  10. National Academy on Aging, 1997.
  11. Stillman and Lubitz, “Medical Care” 40 (10): 965-967 (2002).
  12. Stillman and Lubitz, “Medical Care” 40 (10): 965-967 (2002).
  13. Rogers, S. & H. Komisar. Who Needs Long-Term Care? Fact Sheet: Long-Term Care Financing Project. Washington, D.C.: Georgetown University Press, 2003.
  14. AARP. Beyond 50.03: A Report to the Nation on Independent Living and Disability, 2003.
  15. U.S. Department of Health and Human Services and U.S. Department of Labor. The future supply of long-term care workers in relation to the aging baby boom generation. Report to Congress. Office of the Assistant Secretary for Planning and Evaluation, 2003.
  16. Health Insurance Association of America Survey. “Research Findings: long term care insurance in 1998-1999,” February 2002, pages 3, 5, 13, 17, 27. The employer-sponsored market contributed 25% of the sales in 1999. By the end of 1999, more than 1 million policies had been sold through more than 3,200 employers. This represents 35% average growth rate. There were more than 770 employer-sponsored plans introduced in 1999 alone.
  17. Members of the federal family can obtain information on this program from the United States Office of Personnel Management by calling the toll-free number 1-800-582-3337 or by accessing the Web site http://www.opm.gov/insure/lte/.
  18. Internal Revenue Service, Revenue Procedure 97-57, adjusted to 2008 tax deductible limits.
  19. U.S. Department of Labor, Bureau of Labor Statistics, 2000. Data shows that between 1995 and 2001, the average nursing home costs have risen about 5%.
  20. Health Insurance Association of America (HIAA) Survey. “Research Findings: long term care insurance in 1998 1999,” February 2002.
  21. Health Insurance Association of America (HIAA) Survey. ‘Research Findings: long term care insurance in 1998 1999,” February 2002. Table 5. p. 26. “Average Annual Premiums for Leading long term care insurance Sellers in 1999.”

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