Controversies of paying for Long Term Care
This practice, where families "spend down" their assets to qualify for government assistance, is often criticized for its ethical implications and the potential for abuse, as individuals deliberately reduce their wealth to access Medicaid benefits for long-term care.
What is asset depletion or spending down
This program covers nearly 60% of all long term care costs in the US making it the largest payer for nursing home care
What is Medicaid
What act contributed to the creation of Medicare and Medicaid, which became vital in financing long-term care for the elderly and disabled?
Social Security Act of 1935
What generation is driving the long term care costs
What is the baby boomers
This issue is worsened by underfunding for long term care services and leads to overworked staff, high turnover, and a higher risk of neglect and abuse in facilities
What is understaffing?
Medicare
This term refers to the legal document that outlines a person's wishes regarding medical treatment and care if they are unable to communicate those wishes themselves.
What is a living will
What is skilled nursing care?
This model, which involves shifting long-term care responsibilities to family members without adequate compensation or support, is often criticized for disproportionately affecting women and contributing to financial and emotional strain.
What is informal caregiving
How many parts does Medicare have?
What is four
This federal law, enacted in 1987, established important regulations for nursing homes to improve care quality, including requirements for staff training and resident rights.
What is the Nursing Home Reform Act
Geographic variability and level of care of required influence what?
What is factors influencing costs
This controversial proposal, often discussed in relation to long-term care funding, would place limits on the amount of money the federal government provides for Medicaid potentially reducing services for low-income individuals needing care in nursing homes and other facilities
What are Medicaid per capital caps
Children in families with incomes too high for Medicaid but too low to afford private coverage may qualify for this Medicaid expansion program
What is the Children's Health Insurance Program (CHIP)?
What act aimed to reduce the number of uninsured Americans expand Medicaid and implement new protections for people with pre-existing conditions?
What is the Affordable Care Act (ACA) 2010?
This type of payment system, common in the U.S., ties healthcare to individual services provided rather than a fixed salary or capitation
What is fee-for-service