Initiatives to increase the purchase of private long-term care insurance have achieved little success. Affordability is arguably the principal barrier to purchase, but lack of knowledge of the need for long-term care, misinformation about Medicare coverage, and competing priorities play a role. While private insurance can do more than it does now, the authors conclude that it is unlikely to finance more than a small proportion of long-term care expenses. (The Elder Law Journal 2000 January; 8(1); 57-102).
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