For the most part, the state would pay benefits directly to service providers such as certified home care aides, assisted living facilities, adult day centers, or nursing homes. It also would pay qualified family caregivers who take state-mandated training.. The US, however, finances long-term care mainly only through Medicaid--for those who are impoverished and have limited incomes.
would require consumers to pay for their own care for a period of time—say 1 to 3 years--but provide a lifetime benefit after that. Front-end coverage, which Washington is considering, pays benefits once someone meets a functional limitation test but limits support to a fixed amount of time or money.Similarly, some public programs around the world pay beneficiaries cash to purchase services. Others pay service providers directly, and some allow beneficiaries a choice of benefits.
The Washington program would have a number of limitations. The benefit would cover only a fraction of the need of someone who needs a high level of care. It effectively would provide $100-a-day for a year, though the benefit could increase by up to 3 percent annually to reflect inflation. However, a senior with high support needs willIn Washington, someone could not receive benefits until they need assistance with three ADLs.
Source: Insurance Report (insurancereport.net)
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