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Partnership programs should require LTCI policies to provide comprehensive benefits and strong consumer protections, particularly regarding non-forfeiture, inflation protection, and premium stabili

Programs should require those selling partnership policies to educate consumers to make informed decisions about whether a partnership policy is right for them.

Any further efforts to address marriage penalties should be focused on two-earner couples and structured to avoid increasing marriage bonuses. 

Policymakers should broaden the tax base by limiting tax preferences that do not efficiently achieve important policy goals. 

Program participant cost-sharing for either community or institutional services should be modest. It should not favor one type of service over another.

Some tax revenues for a new LTSS program should be earmarked to an LTSS trust fund. This would build adequate reserves to cover later generations.

The federal government should create a public social insurance benefit that provides coverage for LTSS. It should be within Medicare or in a new public program. 

Until a comprehensive national LTSS program is implemented, the following intermediate steps should be taken: 

The federal and state governments should conduct regular, thorough, and consistent oversight. Oversight should include evaluation of consumer outcomes to the extent feasible.