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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.
The federal government must not encourage the use of reverse mortgages to purchase private long-term care insurance.
Government budgets reflect the priorities of policymakers. They specify what programs and activities the government will support and how to raise the money needed to fund them.
Program participant cost-sharing for either community or institutional services should be modest. It should not favor one type of service over another.