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The public and private sectors should educate consumers about LTCI and methods for private financing of LTSS.
LTCI companies should be required to cover both nursing facility care and a wide range of home- and community-based services so individuals can receive services in their preferred setting.
Federal and state governments should prohibit false advertising and monitor the marketing of LTCI policies.
States should regulate accelerated death, life settlement, and viatical settlement benefits to ensure that consumers receive full disclosure of information about the advantages and disadvantages of