History of Long-Term Healthcare
Olmstead Decision
Court mandated that people with disabilities must be moved out of institutions and into less restrictive settings and that the waiting list for services must be reduced
home care
an alternative to hospitalization in which dying people stay in their homes and receive treatment from their families and visiting medical staff
long-term care insurance
Provides payment for extended nursing care due to accidents, illness, or old age
continuing care retirement community
A housing option characterized by a series of levels of care for elderly residents, ranging from independent apartments to assisted living to nursing home care. People enter the community in relatively good health and move to sections where they can get more care when they become disabled.
activities of daily living (ADLs)
basic self-care tasks such as eating, bathing, toileting, walking, and dressing
Social Security Act
created a tax on workers and employers. That money provided monthly pensions for retired people.
independent living
allow individuals who can care for themselves to rent or purchase an apartment in the facility
National Clearinghouse for Long-Term Care Information
Provides information and resources to help you and your family plan for future long-term care needs.
life care contract
offers high entrance fee but offers unlimited assistive living and skilled nursing as needed
American Taxpayer Relief Act
raised taxes of highest income bracket back to Clinton era
Tax Equity and Fiscal Responsibility Act
A federal law that sets guidelines on how to determine an agent's independent contractor status.
Congregate care facilities
The target population in these facilities is 55 years or older. There is no assistance with daily activities, and a state license is not required. They fall somewhere between independent living and assisted-living facilities.
annuity
payment received every year
extensive contracts
include housing, residential services, amenities, and unlimited access to health care at budgeted monthly rates.
instrumental activities of daily living (IADLs)
the activities of daily living needed for independent living
Nursing Home Reform Act
Passed into law as part of the 1987 OBRA; specified services that nursing homes must provide and standards for these services, in addition to the residents' bill of rights.
assisted living facilities
a supportive living arrangement for people who need assistance with ADLs or IADLs but who are not so impaired physically or cognitively that they need 24-hour care
Deferred long-term annuities
consist of a specified monthly income for a specified time period. These annuities are available to individuals up to age 85.
rental agreement
A contract specifying the tenant's and landlord's legal responsibilities
life insurance
insurance paid to named beneficiaries when the insured person dies
American Act Caregiver Program
established state grants to fund family and informal caregivers who provide home care.
skilled nursing facilities
settings that provide full-time nursing care for people who have chronic illnesses or are recovering from a temporary medical condition
Accelerated Death Benefits
are available if the policy holder lives permanently in a nursing home, is terminally ill, needs long-term care for an extended period of time, or has a life threatening diagnosis
Green House Project
Radical departure from the idea of large residential facilities
Encourages residents to participate in their care through helping with daily tasks
Personal dignity is maintained and quality of life is improved.
village movement
formed a nonprofit organization, Beacon Hill Village, which formed a network to provide services to older homeowners that allowed them to remain in their homes longer and maintain their independence