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Locate and post an article from any source and published during the last 12 months that discusses a financial issue related to adult day care, assisted living, or home health care financing (NO articl
Locate and post an article from any source and published during the last 12 months that discusses a financial issue related to adult day care, assisted living, or home health care financing (NO articles on nursing homes). Try to choose an article that has practical implications.
The article should not be one assigned in the class or one chosen by another student. Do not post a link to the UMUC library, but attach the article to your response or post a link that anyone can use to access the article. Provide a brief summary of the article and answer each the following questions:
- How does this tie in with your research to date?
- How can the average long-term care manager use this information in day-to-day decision-making?
- What is the “take home” message?
* Be sure to copy and paste the question before each of your answers to add clarity.
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********* ******************* ******** ************ ***** https://academicoupcom/aepp/article/34/2/333/8148Article summaryAmericans *** living longer today **** **** ******** *********** This means **** there is ** ******** ** demand for long-term **** ******** Long-term services *** ******** ****** involve *** provision of medical ****** *** ******** **** ******** on ** ******** ***** ** ****** **** chronic ******** and ****** disorders ***** ******** *** be delivered in a ***** ***** of **************** *** ****** ****** **** financing program *** ********** people is *** ************** payer ********** for *** of **** spending Medicare *** public ****** ********* **** for ***** ****** *** ******** ******* ***** ** **** ** **** spending *** ** ** important ** **** **** ******** pays only *** ************ post-acute ***** Out-of-pocket costs *** 189% ** **** ******** ******* insurance ** ** ********* to ********* that ******* and ******** **** ** ***** ******** ***** ******* *** lion's ***** of **** The implication ** **** ** **** *** ****** ***** ** ********* **** ******* exceed *** pecuniary ********* ******** ******* There **** **** * ****** ** attempts ** ********** *** ******** ***** ** ********* ******** **** *** the ******* **** rather ************ **** ***** Several ******* ********* ** the late 1990s ******** the ******** ***** ** **** giving The resulting ********* ****** from ****** ** $218 ******* (in **** ******** *** most ****** ********* of *** ******** value ** ******** **** giving extend ****** just older ****** **** ********** *********** ********* ** al ***** *** estimated ******** **** *** $450 billion ** ********* ********* ************* ******* ***** *** ******* ****** ** ****** ********* *** **** ** *** ****** States is *** ************ Medicaid ******* thus ****** ********* ** **** * public ****** ********** *********** *** ** ******* into **** ******** In *** second ******* ********* **** ************ *** risks of ******* LTSS and the economic consequences of ***** risks *** ********* *** ***** ******* ********* *** ********* ****** *** risks *** pay *** **** *** ****** section ********* *** ********* ** *** **** protection is ********** *********** *** ****** ************ *** ******* ** *** ***** *** ***** sectionII ********* ***** *** the Need *** Long **** **** ****** ***** ** having different ****** of **** for differing ******** ** *** ************ ********* ***** ** ******* ********* ******** *** ************ ******* ** *** Financing and **** ************* ******* of **** ********** ******* the ********* ************ ** ******* **** ******* ***** insurance ******* ************* ******* private long-term **** insurance ****** ******** *** ** * **** ******* extent Medicare ** **** **** **** protection is ********** ***** *********** ************* ******** ******* ********* **** Insurance ******* ********** Given *** ***** of *********** ***** *** ********** marketsa ****** ***** ****** ************ also ***** a ****** of ********* ******* ********** to ******* long run ****** shocks; key ***** **** *** **** *** *** of derivatives However ********* ********* *** ***** ****** ** * ********* way from ***** types ** ****** **** **** to hold ***** ****** ** * *** ** hedge ******* the ************* ** ********* ********* **** as ***** ******** in **** ***** are *** ************ ** this: first **** ******** **** derivatives ** ***** ******* ******* ****** **** new ********* *********** ********* **** stringent ******* requirements *** derivatives **** in effect ******** *** cost of **** **** of risk ********* (Lumsdaine ***** **** ****** to further threaten *** ******* ** **** ***** ** manage risks Lumsdaine ****** has ********* these ********* as one explanation for *** market withdrawal ** firms **** ************ ****** **** further ****** *** market ******* ********** ******** ** *** ********* ************ ** ******* ************** ********* *********** ***** the ********* ** ******* ****** *** personal **** ******** ** ** on-going ***** to ****** with chronic physical *** ****** ********** ** **** level ** *********** risks caused ** incomplete markets *** *** ** prevent **** risks3 **** **** ******* *** be ********** ** below;In *** United ****** ****** insurance has become * ********* ********** ** **** ** ** * ******* *** expressing *** ******** distrust of ********** ********* ** the United States These sentiments were ** ********** ******* ****** *** ****** **** *** ***** *** ***** *** *** **** ********* of the ********** **** *** *** *********** is **** *** *** *********** future ***** ** ****** ****** that a ****** insurance approach ***** ** politically ****** ** *** ****** ****** This ***** *** ******* ** realizing *** ******* ***** **** ******** ********* ********** ******* *** ***** of **** * **** **** complicated *** ********* ******** *********** raises *** ****** challenge ** ******* ** ** possible to ****** ** ******** ** ******** **** **** ** *** ********* **** private ************ ******* the ********* ********** ******* **** *** ****** fiscal relief to ******** ****** ******** **** ******** Solving **** * problem ** ********* and **** not ** ****************** to *** **** ****** **** a ****** insurance program ***** ** ************ the ********* *** ********* *********** in the ****** States suggests **** *** ***** ******* **** ******* ********** *** ********* to address the **** ********* ******* ********* by ***
