A Nonpartisan Economic and Social Policy Research Organization
retirement policy

Paying for Health and Long-Term Care

 
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Scholars Delve Into How Money, Family Structure, and Culture Influence Care of the Elderly (Press Release)
The Urban Institute

Intergenerational Caregiving, a new book from the Urban Institute Press, reveals how social, cultural, demographic, and financial circumstances shape care and support arrangements for Americans as they age, as well as for family members of all ages facing disability and special needs.

Posted: November 12, 2008Availability: HTML

Aligning Incentives: The Case for Delivery System Reform (Testimony)
Robert Berenson

In testimony before the Senate Finance Committee, Robert Berenson, M.D. explores possible reasons that integrated care organizations that include multispecialty group practices have not become a major feature of the U.S. health system despite prominent success stories. These organizations are often penalized financially for undertaking activities that reduce costs because the benefits of efficiency are not internalized to the organization. Berenson makes the case that current payment incentives embedded in Medicare and private payer approaches promote behavior that may not benefit patients, such as rewarding preventable hospitalizations and producing a mismatch between the services patients need and those that fee schedules encourage.

Posted: September 16, 2008Availability: HTML | PDF

The Strains and Drains of Long-Term Care (Research Report)
Richard W. Johnson

As the nation grows older, it's time to find a better way to care for those who need help as they age. The financial, emotional, and physical costs of providing long-term care often overwhelm families. Unpaid family members supply most of it, struggling to balance these duties with work and other responsibilities. A year's stay in a nursing home averaged $78,000 in 2007, and public assistance is not generally available until residents have exhausted almost all of their financial resources. Policymakers should encourage Americans to prepare for their own long-term care needs or create a larger role for government financing

Posted: June 09, 2008Availability: HTML | PDF

Rising Health Care Costs Lead Workers to Delay Retirement (Series/Older Americans' Economic Security)
Richard W. Johnson, Rudolph G. Penner, Desmond Toohey

Older men who expect high health care costs for themselves or their spouses after age 65 retire about 13 months later than those who expect low costs. The difference for women is 12 months. For those receiving health insurance from their employers, continued work reduces the risk of high out-of-pocket health care costs. Working longer also increases retirement incomes, making health care costs more affordable.

Posted: May 14, 2008Availability: HTML | PDF

Can Faster Economic Growth Bail Out Our Retirement Programs? (Research Report)
Rudolph G. Penner

Government analysts portray a bleak fiscal future as the retirement of baby boomers and soaring health costs push up expenditures on Social Security, Medicare and Medicaid much faster than projected tax revenues. Some argue that the analysts' economic growth projections are too pessimistic. This analysis argues that official growth projections are quite reasonable, but even if they are too pessimistic, faster growth will accelerate Social Security costs because of the program's structure and health costs are also likely to grow more rapidly. Faster growth will, however, ease the pain associated with necessary reforms.

Posted: March 19, 2008Availability: HTML | PDF

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