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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.
The federal government must not encourage the use of reverse mortgages to purchase private long-term care insurance.
Policymakers should change or eliminate the Social Security earnings limit only if the Social Security trust funds can be maintained.