HEARING - U.S. Senate Special Committee on Aging
HEARING - U.S. Senate Special Committee on Aging HEARING - U.S. Senate Special Committee on Aging
CONPAA1SO 0P tOoG 'COA CARE POLtCIE1 CA7RRER AAQ/PQuOI.TniA --- _--------_-_- SKILLEa SLmSteL CARE DAILY SlOOP CF $40 71ME LIln3TATIOs 3 years ItESTRICTIO7S stay "IgI", /In 30 3-ys Cf , 3 Cay hasartat stay °' a'' 30 days O' * 7'POOSC StAy 181 7ET4A AtI S4O $00 4 years I A's stby I.g.ns.. . th'n 0 coys slay Teg'n:,rr io Cat, of 4 3 Cay 01034J1 s t -a of a 3 Cay 50501043 stay ruSat Ce corn? 'eC In 4" O~t IATEtorEDlATe CA4E OAILY BCAEFNi $43 S4a SO' fIME LITIATJIOY 3 yo t!retrt iat styest f yot.s S yea-s REiTRItCftS stay b5Agrs -/ir 33 day of soa, be grIs after :23 554; o-a, ;.; *:n O "ap I 3 Cay tOra stI -ay or am r a SAP Stay 30 days af a .r. tous osay nessOP Ctonf-ned tn n, 4l of 'l3 : Oia: 1y t: t, CUSTODIAL CARE TLLY ICAEFITS flHE LTATTATIOA RESTRICrtoes HIPE HEALTA TINE 5IPITATIDA REST0IJCT00S ELIAINATION PERIOO 2D days $ M1XIM*S (if any) $47 3 yr:s tfltrn (ti tyr es) 5Il l y ey mns ol*n 10 days o 4 1 Cay SOCtAt 050 oly C 00 days Cf U or.A I - :t4/ . -0 sersihe peust sxegon n/Tn 04 days af a 3 day hospsst4 On norSinn faC~ltJy Stay 54 3 A ye.rs Stay o91rn after a I2C Cay S ' st ay roas OP Co-!?nhd :n 4A S30 $53 S years $ 10 $0 2 ye2rs 0 years stay aOMOs; a 0 Coy A:r too -here - Us l teo o rn5. fOr Iatevelraatel Tc-c 0 0t : a. qrY 33 S dy 01 0 5fl1 7t ren t''re rn n t s ornoog te gfns a fter a serme le nest Oa-rh -/ rh 30 laos 000 day SYP cloy ot a 30 Cay Cienree sent I-h vt for st.. Mt.. Or cst. Care. DO or 000 d ays C. 00. O 'O to ayT LifOtl- - $73.000 - III -
COMPAIeSON OF LOtG TEIM CoAt PfLtCIES CA"RAltR EXTENSIONS AAP/PTUOC4fH-! Gur r;~ taft aueoS oorf nn~wot AETNA *R? EAISlTlb 6 est/& 905 t80 d' CXCLUSICti OTHER EXCLUSIONS ~~~~... .... WAITER OF ANENISUH? nA 182 fd outs ronU 5 -Co.lda -e' To c.re froolded .. free of arge SNOT self Inflicted fn jory/TlCr selfd .nf roted ^ uory nor Aer~ter.l8ty orsuroers ouse .5 g-t w de -"' OS ;e:nors'rg *oc15 Tlres , .... .... ... .......... .. .... m?!nt; o erms, org. rsenale calf refl TrAd riu / I = after EITONEhCE OF SnOrt fo0 "a cto srors for 'O e" ltol: fully INSlI2oOI~tfY RENEt 4T-!I grooe POT IC reneJol gooro PaLICY FEE? 000* nne *I ltC0 days y Tree look OTHER II day free To10 d, grode : foree or charge TIC It -00/02 ra 90 days fot Ie r. ;cr er 9t 0 -- - - - - - - - - -. - .. - -. sn~eed /etxdi3 PREMtlr tATES (-rhly oost fo- $0C/Toy s-en, it - 00 day elimloatort. oer1od) so - 59 $To.95 6s 69 - 64 $00.95 $15.00 6S-69 $39 95 $29.00 0-7- 564.95 I5I0; 75-?9 $94.95 $03,00 'far SS/day bs.ta t. 0 day eltnfnotton oerfod RATE coSIS entr age (79 yr. cat enry Ae (E y meet ------------------ -- -- ---- - - 1026 $irTs fore redool: , .... ... .. ..... ............. qO5 ET:TA E.IaTd Tir 0 oo freelook *:nt------ C r .r .t T . 60 - 64 $29.201 70 - 74 $9Z 90 . . . .
- Page 133 and 134: 130 462 6-85 New Developments 10,05
- Page 135 and 136: 132 10,930 New Developments tI.PZ ;
- Page 137 and 138: 10,932 134 New Davelopments 492 346
- Page 139 and 140: 136 10,934 New Developments It! ;6
- Page 141 and 142: 10,936 138 New Developmenlt I. Thc
- Page 143 and 144: 140 10,938 New Development. 492 S-8
- Page 145 and 146: 10,940 142 New Developments i92 586
- Page 147 and 148: ATroR EYS -HARLES C. -ULiIN JUDITH
- Page 149 and 150: 146 reformed its decision-making pr
- Page 151 and 152: 148 : 14 2i57 New Developments 13,1
- Page 153 and 154: ~ 150 a>, rsn Cdw ~w (e d rum 0A7,.
- Page 155 and 156: 152 All Of these figures are based
- Page 157 and 158: 154 The requirements of this Act sh
- Page 159 and 160: 156 Drefting Note: Where the word "
- Page 161 and 162: 158 (b) The issuance of the group p
- Page 163 and 164: 160 (2) Contain a provision establi
- Page 165 and 166: 162 and competitive reasons. It is
- Page 167 and 168: 164 -13- E. Affordability of Long T
- Page 169 and 170: NAIC LTC ADVISORY COMMITEE EXPOSURE
- Page 171 and 172: Setinzn IS. Poicyx D~efinitieno aid
- Page 173 and 174: 170 3. The term "noncancellable' ma
- Page 175 and 176: 172 extension of benefits beyond th
- Page 177 and 178: artinM B Requirmnts for Rplnmacwt 1
- Page 179 and 180: 176 The above "Notice to Applicant"
- Page 181 and 182: (pinnal Rasting &mdsninn 178 Benefi
- Page 183: APPEMI!X B 180 OCWARISCN OF lVLCY i
- Page 187 and 188: COMPABI:SZN OF LC#C TE" CAiE -OLICI
- Page 189 and 190: COWaPAISON Of LOSt TERM CARE POLICI
- Page 191 and 192: cowRiiSOi or touTE reM CasE nOuczcS
- Page 193 and 194: COGPARISON OF LONG TERM CARE POLICI
- Page 195 and 196: SOME BASIC THINGS YOU SHOULD KNOW M
- Page 197 and 198: Private health insurance is availab
- Page 199 and 200: WHAT MEDICARE PART B PAYS 196 MEDIC
- Page 201 and 202: EXPENSES NOT COVERED BY MEDICARE Me
COMPAIeSON OF LOtG TEIM CoAt PfLtCIES<br />
CA"RAltR<br />
EXTENSIONS<br />
AAP/PTUOC4fH-!<br />
Gur r;~ taft aueoS oorf nn~wot<br />
AETNA<br />
*R? EAISlTlb 6 est/& 905 t80 d'<br />
CXCLUSICti<br />
OTHER EXCLUSIONS<br />
~~~~... ....<br />
WAITER OF ANENISUH? nA<br />
182<br />
fd outs r<strong>on</strong>U 5 -Co.lda -e' To<br />
c.re froolded .. free of arge SNOT<br />
self Inflicted fn jory/TlCr selfd .nf roted ^ uory nor<br />
Aer~ter.l8ty orsuroers<br />
ouse .5<br />
g-t w de -"' OS<br />
;e:nors'rg *oc15 Tlres<br />
, .... .... ... .......... .. ....<br />
m?!nt;<br />
o erms, org. rsenale calf refl TrAd riu /<br />
I =<br />
after<br />
EITONEhCE OF SnOrt fo0 "a cto srors for 'O e" ltol:<br />
fully<br />
INSlI2oOI~tfY<br />
RENEt 4T-!I<br />
grooe POT IC reneJol gooro<br />
PaLICY FEE? 000* nne<br />
*I ltC0 days<br />
y Tree look<br />
OTHER II day free To10 d,<br />
grode : foree or charge<br />
TIC<br />
It -00/02 ra<br />
90 days fot Ie r. ;cr er 9t 0<br />
-- - - - - - - - - -. - .. - -.<br />
sn~eed /etxdi3<br />
PREMtlr tATES (-rhly oost fo- $0C/Toy s-en, it - 00 day elimloatort. oer1od)<br />
so - 59 $To.95<br />
6s 69 - 64 $00.95 $15.00<br />
6S-69 $39 95 $29.00<br />
0-7- 564.95 I5I0;<br />
75-?9 $94.95 $03,00<br />
'far SS/day bs.ta t. 0 day eltnfnott<strong>on</strong> oerfod<br />
RATE coSIS entr age (79 yr. cat enry Ae (E y meet<br />
------------------<br />
-- -- ---- -<br />
- 1026<br />
$irTs fore redool:<br />
, .... ... .. ..... .............<br />
qO5 ET:TA E.IaTd Tir<br />
0 oo freelook<br />
*:nt------<br />
C r .r .t T .<br />
60 - 64 $29.201<br />
70 - 74 $9Z 90<br />
. . . .
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