Skip to main content
Skip to and open main menu Home Modification
Information Clearinghouse
Translating high quality research specific to better design and building practice
Translating high quality research specific to better design and building practice

Research Library

The HMinfo Research Library contains an in-depth collection of materials on home modifications and related subjects.

The Research Library does not lend books and other items. Under special circumstances, requests to use the library may be made by emailing .

Search Form

Public-private solution to protection against the cost of long-term care.

Journal of the American Geriatrics Society

Author: Ball, R. M.
Year: 1990
Type: Journal Article


The demographics of our population and our current reliance on Medicaid with a means test that no one likes suggest the need for revising our financing of long-term care. Given that persons with Alzheimer's disease and related dementias are a substantial proportion of those needing long-term care, support for research to cure or control these problems should be part of a strategy for addressing the problem of long-term care. However, even if substantial progress is made there is still a need for revising our method of financing long-term care. However, other pressing societal needs, such as reducing the 2 trillion dollar federal debt, addressing the needs of the growing number of children in poverty, and caring for the more than 30 million uninsured Americans, limit the role of the federal government in financing long-term care. A proposal to provide coverage for those with functional disabilities or cognitive impairment who need chronic home care and for the initial portion of nursing home stays within a social insurance program is outlined. More extensive coverage for nursing home stays would be provided for those with community-dwelling spouses. Major financing would be provided through either a payroll tax or by a federal income tax for all age groups with supplementation from estate taxes or capital gains taxes at death. Improvement of benefits in the Medicaid program and an important role for private insurance in protecting the estates of those who become permanent nursing home residents are also suggested.

Further Details

Full Title Journal of the American Geriatrics Society
Pages 156-63
Volume 38
Issue 2
Accession Number 5.3.03
Keywords North America, older, cognitive, mobility

Reads 210