“Research Centers Post Long-Term Care Policy Papers,” by Allison Bell, ThinkAdvisor Quote: “November is Long-Term Care Awareness Month, and two organizations have celebrated by putting out LTC policy options papers. The Paragon Health Institute, a health policy research center with strong ties to Republican policymakers, has published ‘Long-Term Care: The Problem,’ a paper by Stephen Moses, the president of the Seattle-based Center for Long-Term Care Reform. A team at the Bipartisan Policy Center, a research center with ties both to Republicans and Democrats, has released ‘Improving PACE: Improving Access to Enrollment in Programs of All-Inclusive Care for the Elderly.’ … Lisa Harootunian and other
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“Paper analyzes government policy’s role in creating LTC problems,” by Kathleen Steele Galvin, McKnight’s Senior Living Quote: “The Medicaid program is largely responsible for problems in long-term care, according to a paper recently published by the Paragon [Health] Institute. … Public financing created and worsened inherent problems in long-term care, according to Moses. Medicare and Medicaid programs have both thwarted private sector financing and services tailored to consumer preferences, he said. … Moses’ next paper, Long-Term Care: The Solution, is expected to be published next year and will suggest reforms to address the problems caused by what he considers misguided government policies.”  
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“Study: Most Pre-Retirees Unprepared to Retire by Age 65,” by Ted Godbout, National Association of Plan Advisors Quote: “Findings from a new study show that the majority of retirees and pre-retirees are not financially prepared for retirement and lack sufficient savings to fully retire at age 65. According to Disconnected: Perceptions vs. Reality in Retirement Planning from The Stanford Center on Longevity (SCL) and Finance of America Reverse (FAR), the median retirement savings of those surveyed were valued at $128,000 and more than half (55%) of respondents reported their financial situation as ‘fragile’ or being ‘just able to get by financially.’”  
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“Legal Ease: Medicaid Asset Protection Planning — what is it?,” by Rebecca A. Hobbes, The Times Herald Quote: “In order to avoid having a Medicaid penalty, it is important to first understand the Medicaid rules and know what transfers will interfere with your eligibility. It is also important to make sure that you engage in Medicaid asset protection planning in advance of when you will actually need long-term care. A good age to begin planning is around age 65, although everyone’s situation is different. … Speaking with an elder law attorney can help you and your loved ones explore options
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“Elder Care: Nursing homes, Medicaid and the middle class,” by Karen Kaslow, The Sentinel Quote: “The basic understanding is true that in order to receive Medicaid, an individual is only permitted to own a minimal amount of assets. However, the government also makes it possible for middle class families to qualify for this benefit. … Various tools and strategies are available to help protect assets from the cost of long-term care and create eligibility for Medicaid. The timing of an individual’s planning, as well as the situation and their specific goals, will influence the type of strategy which should be
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