There is a looming crisis in our nation’s capacity to provide long-term care. The needs keep increasing while more and more of our aging seniors and large numbers of disabled can no longer gain access to affordable care.
The markers are serious—more than one-half of Americans age 65 and older are expected to need help with activities of daily living, whether in a nursing home, assisted living facility, or at home; U. S. seniors are projected to outnumber children under 18 by 2035; dementia increases as our population ages, expected to involve almost 40 percent of people over age 85; one in four Americans has a major disability; and there is a growing shortage of caregivers.
Regardless of our age and current circumstances, all of us will face the need for long-term care for a parent, another family member, or ourselves down the road. When that time comes, it is an open question whether most of us will be able to gain access to personal, affordable long-term care when we need it.
This book examines the many issues involved in charting a way toward a system of universal coverage that will fix the challenge of long-term care.
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Table of Contents
LONG-TERM CARE IN AMERICA:
THE CRISIS ALL OF US WILL FACE IN OUR LIFETIMES
PART I: WHAT ARE THE PROBLEMS?
Chapter 1 Increasing Need for Long-Term Care 5
Chapter 2 Confusing Array of Options for Long-Term Care 19
Chapter 3 High, Unaffordable Costs of Long-Term Care 35
Chapter 4 Unacceptable Quality of Long-Term Care 49
PART II: HOW DID WE GET HERE?
Chapter 5 Historical Perspective 65
Chapter 6 Market Failure and Privatization 75
Chapter 7 Inadequate Insurance Protection 89
Chapter 8 Under-Valuation of Long-Term Care 101
Chapter 9 Conservative Tax Policies vs. the Common Good 113
PART III: WHAT CAN BE DONE?
Chapter 10 Financing Reform 127
Chapter 11 Revaluing Long-Term Care and Caregivers 143
Chapter 12 Reimagining the Future of Long-Term Care 159
1. Some Questions to Consider in Selecting 177
2. Recommended Reading 183
3. National Long-Term Care Organizations and Resources 185
4. Discussion Questions 191
About the Author 211