Abstract
Long-term care problems and their solutions are multidimensional and will evolve over time. Current legislative solutions answer one small element of the dilemma. With a problem that is already costing over $2 billion dollars of personal income each month, what alternatives are available? One solution is the extension of long-term care insurance provided through employer-sponsored plans for today's working-age caregivers. This article looks at two primary populations: future persons at risk and those currently in need of either at-home care or a nursing home setting. Employer based contracts are reviewed for applicable solutions for both the employee and the employer.
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