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Private-Sector Approaches to Financing Long-Term Services and Supports">Private-Sector Approaches to Financing Long-Term Services and Supports
- Private-Sector Approaches to Financing Long-Term Services and Supports">Private-Sector Approaches to Financing Long-Term Services and Supports
Private-sector approaches for financing long-term services and supports (LTSS) must be part of a comprehensive LTSS financing strategy.
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Private Long-Term Care Insurance">Private Long-Term Care Insurance
- Private Long-Term Care Insurance">Private Long-Term Care Insurance
Long-term care insurance (LTCI) can be purchased privately.
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Living Benefits">Living Benefits
- Living Benefits">Living Benefits
One way to fund long-term services and supports (LTSS) is to adapt or combine coverage with existing life insurance coverage.
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Reverse Mortgages">Reverse Mortgages
- Reverse Mortgages">Reverse Mortgages
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.
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Health Care Coverage: Medicaid">Health Care Coverage: Medicaid
- Health Care Coverage: Medicaid">Health Care Coverage: Medicaid
Medicaid is the nation’s largest publicly financed health insurance program for people with low incomes. It is a means-tested program.
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Work Incentives and Rehabilitation">Work Incentives and Rehabilitation
- Work Incentives and Rehabilitation">Work Incentives and Rehabilitation
The Social Security Disability Insurance (SSDI) program provides stable benefits to those who cannot work. Benefits are also available for their families.
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Top-Heavy and Nondiscrimination Rules">Top-Heavy and Nondiscrimination Rules
- Top-Heavy and Nondiscrimination Rules">Top-Heavy and Nondiscrimination Rules
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.
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Portability, Preservation, and Distributions">Portability, Preservation, and Distributions
- Portability, Preservation, and Distributions">Portability, Preservation, and Distributions
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
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Vesting">Vesting
- Vesting">Vesting
Vesting in a retirement plan means different things for participants in defined benefit (DB) and defined contribution (DC) plans.
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Integration of Retirement Plans with Social Security">Integration of Retirement Plans with Social Security
- Integration of Retirement Plans with Social Security">Integration of Retirement Plans with Social Security
Social Security integration is an employer practice related to the calculation of the retirement benefits employees receive from a defined benefit (DB) retirement plan.