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Private-sector approaches for financing long-term services and supports (LTSS) must be part of a comprehensive LTSS financing strategy.
Long-term care insurance (LTCI) can be purchased privately.
One way to fund long-term services and supports (LTSS) is to adapt or combine coverage with existing life insurance coverage.
A reverse mortgage is a loan secured by the value of a home and does not require payments as long as the borrower lives in the home.
Medicaid is the nation’s largest publicly financed health insurance program for people with low incomes. It is a means-tested program.
The Social Security Disability Insurance (SSDI) program provides stable benefits to those who cannot work. Benefits are also available for their families.
About 50 percent of workers have access to a workplace-based retirement savings plan.
To maintain their tax-advantaged status, retirement plans must demonstrate that they are equitable and inclusive. Plans are subject to so-called top-heavy and nondiscrimination rules.
The amount available to fund people’s retirement in a defined contribution (DC) plan depends on two factors: how much they save over the course of their working lives and whether they withdraw the
Vesting in a retirement plan means different things for participants in defined benefit (DB) and defined contribution (DC) plans.