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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.
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.
In general, consumer protection laws and regulations should not preempt the ability of lower levels of government to put in place stronger consumer protections.
Consumers should have access to the full range of legal remedies when they have been harmed (see also Private Enfor