Article: LONG-TERM CARE POLICIES BECOMING USER-FRIENDLY.(MONEYWISE)(Column)

Byline: J. Brendan Ryan

What a metamorphosis. I can't think of another example of such rapid evolution of an insurance product.

Insurance for home-bound and institutionalized elderly first appeared in the 1970s and became fairly prevalent in the 1980s. They mostly followed Medicare's lead by requiring a three-day hospital stay before they would cover a nursing-home admission. And a patient could get benefits only if he or she required skilled-nursing care. Stays for intermediate or custodial care were excluded. So were stays for cognitive disorders such as Alzheimer's disease.

If those original policies provided home-health care at all, it was ...

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