In 1986, Dr. Mark Meiners from the University of Maryland Center on Aging wrote a paper on the issues surrounding Long-Term Care and the ability of the insurance industry to provide affordable …
The Difference between Assisted Living Facilities and Nursing Homes
An agent recently asked us if we knew the difference between an Assisted Living Facility and a Nursing Home. Initially we thought he was just testing us to see if we actually did know what we're …
Blind Leading the Blind Thru LTC Insurance
I'm sure you have heard the parable of the blind men who encounter an elephant. Let's explore the story and how it relates to you selling LTC Insurance. …
When is LTC Needed? Mental Model
As a physical assessment, ADLs do not always show if a person needs care. More elaborate functional assessment instruments, such as the OARS Multi-Dimensional Functional Assessment Questionnaire 5 …
When is LTC Needed? Physical Model
The physical model relates to an individual’s ability to function independently in the community. Both physical and mental measurements are being used in state and federal laws to govern eligibility …
When is LTC Needed? Medical Model
The medical model is often referred to as “medically necessary” care and/or due to “injury or sickness”. Another term being used in the medical model is “complex but stable medical condition.” …