|
This book is an indispensable,
up-to-date resource for employers seeking to understand long-term care:
what it is, how it is financed and delivered, and, most importantly, the
factors to consider in introducing or continuing a group long-term care
insurance benefit. Case studies, which include IBM Corporation and Dow
AgroSciences, augment the text.
read
a review
"This book made
a fairly arcane topic very understandable. I found this to be the most
readable comprehensive guide to long-term care that I've seen yet. The
case studies are very helpful."
- Eileen P. Maraldo, CCP, CEBS
Vice President, Benefits
Time Inc.
"Any employer
considering adding long-term care as an employee benefit should read this
book first, and then use it as a guide throughout the whole decision-making
process. It will help the employer achieve the best balance between financial,
legal and employee needs."
- Dan Smorynski, CCP, CBP, CEBS
Vice President, HR and Corporate Services
Wayne County Therapeutic Inc.
| Author(s): |
Mary Helen McSweeney, Ph.D., CBP, CEBS |
| Publisher: |
WorldatWork (2002) |
| Pages: |
76 |
| Cover: |
Soft |
| ISBN: |
1579631029 |
| U.S. and Canada |
|
| List $15.95 USD (Members: $15.95 USD) |
|
|
| A pdf version is available for this book instead of a printed copy. |
| List $27.95 USD (Members: $22.95 USD) |
|
| If you choose the e-book option, after the payment stage of checkout a receipt will be displayed with buttons to download your selections. A link to the receipt also will be e-mailed to you. |
|
Outside North America
Download the ebook or call WorldatWork Customer Relationship Services at 480/922-2020 to order a hard copy. |
Introduction
1. An Overview
of Long-Term Care and Its Regulatory Environment 7
- What Is Long-Term
Care?
- Who Needs Long-Term
Care?
- The Chronically
Ill Population
- How Is the Need
for Long-Term Care Determined?
- Financing Long-Term
Care Services
- Regulatory Issues
- The NAIC Model
Long-Term Care Insurance Act
- The Health Insurance
Portability and Accountability Act of 1996
- The Federal Long-Term
Care Security Act of 2000
- Current Federal
Bills and Proposal
- Other Private and
Public Long-Term Care Initiatives
- The Partnership
for Long-Term Care (LTC)
- Summary
2. Elder Care Programs
25
- Types of Elder
Care Programs
- Who Offers Elder
Care Programs?
- Future Directions
3. The Historical
Development of LTC Insurance and Today’s Products 31
- Insurance: Some
Basic Principles
- The Historical
Development of LTC Insurance Products
- Changes in Benefits
Triggers
- Expansion of Policy
Benefits
- Markets for LTC
Insurance
– The Individual LTC Insurance Market
– The Employer-Sponsored Market
- Life Insurance
and LTC Insurance
- Product Development
Issues
4. The Market for
Employer-Sponsored Long-Term Care Insurance 41
- Employer-Sponsored
LTC Insurance: Policy Characteristics
- Who Is Eligible?
- What Kinds of Employer
Contributions Can Be Made?
- On What Basis Do
Employees Enroll in Employer-Sponsored Plans?
- Is There a Waiting
Period for Benefits?
- Are Employer-Sponsored
LTC Insurance Policies Portable?
- What Kind of Plan
Design and Benefits Are Available?
- What About Consumer
Protection Benefits?
- Is There Coordination
with Other Benefits?
- What About Premiums
and Rate Guarantees?
- Employer-Sponsored
Plan Surveys
- How to Select a
LTC Insurance Carrier
– Financial Stability
– Senior Management Expertise
– Product Premiums and Rate Guarantees
– Internet Enrollment Options
– Customer Satisfaction
- How to Identify
Your Company’s LTC Needs?
- Existing Employer
Plans: Re-Enrollment Issues
5. Case Studies
in Employer-Sponsored LTC Insurance 53
- IBM Corporation,
Armonk, New York
- Minnesota State
Employees’ Plan, Minneapolis
- California Public
Employees Retirement System (CALPERS), Sacramento, California
- Dow AgroSciences,
Indianapolis, Indiana
6. The Outlook
for LTC Benefits 63
Footnotes 67
Web Sites for Long-Term
Care and LTC Insurance 73 |
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