Private Long-Term Care Insurance: Following an Admission Cohort over 28 Months to Track Claim Experience, Service Use and Transitions

This is the third in a series of reports based on longitudinal information collected from a sample of 1,474 individuals with long-term care (LTC) insurance, who notified their insurance company that they were receiving or intended to receive paid services for which they filed, or would be filing, a claim under their LTC policy. These individuals comprise "an admissions cohort" of new LTC service users. This admissions cohort has been tracked over a period of 28 months. Every four months after the initial in-person baseline interview, these individuals were contacted and completed a telephonic assessment that focused on changes in disability status, service settings, preferences, experience with the claims filing process, use of care management services and service setting transitions. The purpose of this report is to present findings from the analysis of longitudinal data collected over this 2½ year period. The authors also report on individuals' satisfaction with providers and their experiences with their LTC insurance. [55 PDF pages]