A Demographic and Attitudinal Profile of Non-Responders to the Federal Long-Term Care Insurance Program

08/01/2004

U.S. Department of Health and Human Services

A Demographic and Attitudinal Profile of Non-Responders of the Federal Long-Term Care Insurance Program

LifePlans, Inc.

August 2004

PDF Version


This policy brief was prepared under contract between the U.S. Department of Health and Human Services (HHS), Office of Disability, Aging and Long-Term Care Policy (DALTCP) and LifePlans, Inc. For additional information about the study, you may visit the DALTCP home page at http://aspe.hhs.gov/_/office_specific/daltcp.cfm or contact the ASPE Project Officer, Hunter McKay, at HHS/ASPE/DALTCP, Room 424E, H.H. Humphrey Building, 200 Independence Avenue, SW, Washington, DC 20201. His e-mail address is: Hunter.McKay@hhs.gov.


This data brief is one of six commissioned by the Department of Health and Human Services, Office of the Assistant Secretary for Planning and Evaluation to analyze survey data collected by Long Term Care Partners from members of the federal family regarding the long-term care insurance offering available to them. This brief analyzes survey data collected from individuals who neither responded to the federal offering of long-term care insurance, nor enrolled in the program ("non-responders"). The remaining briefs address: a Profile of Buyers; a Profile of Non-Buyers; a Comparison of Active and Retired Buyers, Non-Buyers and Non-Responders; a Comparison of Engagement and Participation among Buyers, Non-Buyers and Non-Responders; and a Multivariate Analysis of Buyers and Non-Buyers. A Literature Review is also available.

I. BACKGROUND

One of the more ambitious proposals for encouraging growth in the private insurance market was the passage of the Long Term Care Security Act (Public Law 106-265). This act was passed in the summer of 2000 and was signed into law on September 19th of that year. It authorized the U.S. Office of Personnel Management (OPM) to contract for a long-term care (LTC) insurance program for federal employees. Medically underwritten coverage was made available to active federal employees and annuitants (civilian retirees), as well as active and retired members of the uniformed services. It was also made available to 'other qualified relatives,' who would include current spouses of employees and annuitants, including surviving spouses of members and retired members of the uniformed services who are receiving a survivor annuity, adult children of living employees and annuitants, and parents, parents-in-law, and stepparents of living active employees. Because this coverage is medically underwritten, certain medical conditions prevented some people from being approved for coverage. OPM expected that, like the health and life insurance programs it administers, the Federal Long-Term Care Insurance Program (FLTCIP) would become the largest employer-sponsored LTC insurance program in the nation.

Naturally it was expected that implementation of the program would spur additional interest and growth in the market. The program began in earnest in July of 2002, which constituted the beginning of the open enrollment period. The carriers underwriting the program -- John Hancock and MetLife -- formed a joint venture called Long Term Care Partners, LLC, which is devoted exclusively to administering the Program.

Long Term Care Partners conducted one of the largest LTC educational campaigns ever. More than one million people requested enrollment kits. As of August 2003, 273,000 applications had been received. About 64% of enrollees were active employees and spouses, 31% annuitants and their spouses, and another 5% surviving spouses, parents/in-laws and adult children. Thus, in relatively short order, the FLTCIP became the largest group programs in the United States. In part this was due to the significant marketing and enrollment activities including more than 2,100 educational meetings, briefings to human resources staff and outreach programs to affinity groups.

The large number of enrollments affords a unique opportunity to better understand the attitudes and perspectives of both working and retired individuals regarding LTC concerns, the importance of planning, and the role that insurance may (or may not) play in meeting the needs of disabled individuals. An examination of such attitudes can assist policymakers as well as insurers to better understand marketplace opportunities and barriers, and devise strategies to encourage growth in the market.

II. PURPOSE

The purpose of this project is to analyze survey data collected by Long Term Care Partners from members of the federal family regarding the LTC insurance offering available to them. The analysis focuses on the attitudes, opinions and motivations of both active employees and retirees who have enrolled in the program ("buyers"), those who have expressed an interest in the program but chosen not to enroll ("non-buyers"), and those who are members of the federal family but have not enrolled or expressed any interest in doing so ("non-responders"). As part of this project, we also compare the results to available data from other studies of non-federal buyers and non-buyers in both the individual and group markets. In this way we are able to determine the extent to which there are significant differences, which could influence both the marketing and future design of LTC insurance. Finally, we examine specific issues within each of he three sample groups.

This is the third in a series of data briefs based on the information collected for a study of buyers, non-buyers, and non-responders to the FLTCIP. The purpose of this data brief is to analyze survey data collected from individuals who neither responded to the federal offering of LTC insurance, nor enrolled in the program -- that is, "non-responders". The analysis focuses on the attitudes, opinions and motivations of individuals who are active and retired federal employees that did not request an information kit and/or application as of the time the sample was drawn. By sampling this unique group of people, we are able to understand why they did not even express an interest in learning about the FLTCIP. Relevant research questions answered in this brief include but are not limited to the following:

  • What are the socio-demographic characteristics of active and retired non-responders?
  • What is the attitudinal profile of active and retired non-responders with respect to retirement planning, experience with LTC, attitudes about insurance, and knowledge of risk?
  • Were non-responders aware of the FLTCIP?

III. METHOD AND SAMPLE

We used a mail survey to collect information from retired non-responders and an Internet survey to collect information from active non-responders. A "non-responder" was defined as someone who did not request an information kit and application and was not enrolled in the FLTCIP at the time we drew the sample. Between the months of January 2003 and April 2003, roughly 2,000 surveys were mailed out to retired non-responders of the federal program. About 27% of these individuals -- 545 respondents -- returned their surveys. We removed about 10% of these returned surveys because they turned out not to meet the "non-responder" criteria. The link for the Internet survey was emailed to the implementation coordinators for the different federal agencies and they were responsible for distributing it to their employees. Since we could not determine who would get the email, we used certain screener questions designed to properly identify non-responders and allow them to complete the entire survey. Those who did not meet the screener criteria were not allowed to continue with the Internet survey. We received over 6,800 completed Internet surveys from active non-responders. The final analytic sample was comprised of 7,357 respondents -- 6,870 actives and 487 retirees. All identifying information was stripped from the data file so that specific information could not be correlated to a specific individual.1

IV. FINDINGS

A. Demographic Characteristics

Figure 1 summarizes the demographic characteristics of non-responders. Findings indicate that the majority of non-responders are married, male, college educated, although retired non-responders seem to be less educated. Not surprisingly, the "active" non-responders have significantly higher incomes, but slightly lower assets than the retired non-responders.2 The average age of active federal non-responders is 46 whereas for retired federal non-responder the average age is 67.

Figure 1: Demographic Characteristics of Non-Responders
Source: Analysis of Non-Responder Data from the FLTCIP, 2003.

B. Attitudes and Opinions about Retirement Planning and LTC

Interestingly, most non-responders seem to understand the importance of planning for retirement and for LTC needs (see Figure 2 below). Over two-thirds of active non-responders indicated that they have done retirement planning and about 60% have at least a general idea of how much they need to save in order to live comfortably in retirement. Similarly, 58% of retired non-buyers had done retirement planning and two-thirds had at least some idea of how much they needed in order to live comfortably during retirement. This group is fairly confident that they will or do have enough money to live comfortably in retirement. Nearly three-quarters of active non-responders and two-thirds of retired non-responders were at least somewhat confident about this. One factor that could contribute to the confidence of this group is that about half of both active and retired non-responders had given some thought to paying for LTC expenses. Also of interest, is that three-quarters of active non-responders and 78% of retired agreed that it was important to plan now for the possibility of needing long term care in the future and over three-quarters of both samples agreed that it is important to avoid using their own income and savings to pay for LTC. The overall picture of non-responders is that they understand the importance of planning for retirement and LTC and they are thinking about how to pay for LTC should the need arise. This would suggest that, preparing for retirement and potential LTC is definitely on their minds; however, given that this group did not request an application or information about the FLTCIP they appear to have not yet made the connection between their attitudes and concerns and the insurance offered under the FLTCIP.

Figure 2: Attitudes and Opinions About LTC and Retirement Planning
Source: Analysis of Non-Responder Data from the FLTCIP, 2003.

This information begs the question: So why did not this group enroll in the FLTCIP or at least request an information kit and application. One obvious place to look is their awareness of the FLTCIP. Figure 3 shows that a startling 68% of retired non-responders indicated that they were not even aware that the Federal Government was sponsoring a LTC insurance program. It is clear that the awareness campaign was much more effective among active employees.

Figure 3: Percent of Non-Responders Who were Not Aware of the FLTCIP
Source: Analysis of Non-Responder Data from the FLTCIP, 2003.

Another reason that non-responders did not request information is that they believe they will pay for their LTC needs by some other means.3 Since the introduction of LTC insurance, agents, financial planners and insurers have been trying to educate people about how LTC services are paid for. Significant effort has been put forth to educate people in this regard. We asked non-responders of the FLTCIP how they plan to pay for the cost of LTC, should the need arise. Figure 4 shows that only a small percentage of non-responders believe that Medicaid will pay for LTC costs. A somewhat high percentage (36% for active and 37% for retired) believe (erroneously) that they can use other insurance (i.e., their own health insurance or retiree health plan or Medicare supplement insurance) to pay for LTC. Retirees seem to have a better understanding that they would most likely have to use their own income to pay for any needed LTC, whereas almost one-third of the active non-responders said they just did not know how they would cover the costs.

Figure 4: How Non-Responders Would Pay for the Costs of LTC if Needed
Source: Analysis of Non-Responder Data from the FLTCIP, 2003.

Another possible reason that this group might not have enrolled in the FLTCIP or requested information even though they believe that it is important to their retirement planning is that they are unsure about the insurance in general. In fact, this seems to be the case. A majority of both samples disagreed with the statement that LTC insurance programs sold today are adequate for services that might be needed in the future -- 66% of actives and 76% of retired.

C. Experience with LTC

It is said that experience is the best teacher. Many of those who advocate planning for LTC have had some experience either caring for and/or arranging for care of a loved one, or paying for care. Non-responders were asked if they had any of several experiences with LTC. About half of actives and 45% of retired indicated that they had a parent who needed LTC and 22% of actives and 31% of retired non-responders had been a caregiver to an elderly relative or friend at some point. In terms of financial risk exposure, about three out of seven non-responders indicated that they knew someone who had to use most of their savings and/or assets to pay for LTC.

D. Awareness of and Experience with LTC Insurance

Although reported above that a large proportion of retired non-responders were not aware that the Federal Government was offering a LTC insurance program, it seems that in general, both samples had at least an awareness of the insurance in general. Almost all of the active non-responders (91%) and six out of seven (85%) retired non-responders had heard of LTC insurance and 55% of actives and 41% of the retired sample indicated that they had considered purchasing LTC insurance at some point in the past.

We presented non-responders with a series of statements about LTC insurance and asked them if they agreed or disagreed with them. Figure 5 shows the percentages of those who agreed or strongly agreed with each statement. For the most part, non-responders have not ruled out the possibility of purchasing LTC insurance (86% of actives and 74% of retired disagree that they will never purchase LTC insurance), but agree that there are obstacles. The majority of both active and retired non-responders agreed with the statement that "…they would purchase LTC insurance now, but that there were too many competing demands on their money (68% and 73% respectively) and/or they were unsure they could make good decisions about it (49% and 53% respectively)." It is clear from their responses that a majority of these non-responders may be classified as "potential buyers" who are weighing their options and actively engaged in at least thinking about issues related to LTC and LTC insurance. Figure 5 also shows that the majority of non-responders seem to be somewhat skeptical about the adequacy of LTC insurance policies sold in today's market. Taken together, this picture would suggest that future marketing efforts with this group would do well to focus on boosting confidence in policy designs.

Figure 5: Opinions about LTC Insurance
Source: Analysis of Non-Responder Data from the FLTCIP, 2003.

V. CONCLUSIONS

As these findings indicate, the non-responders of the FLTCIP are well educated about the need for retirement and LTC planning. The majority seems to understand that they will have to bear at least some, if not most, of the financial responsibility of any LTC they might need. For this group the biggest barrier to purchase was cost, but there also seemed to be some concerns about deciding which policy to choose and whether their choice would even be adequate for when they might need services in the future. The majority of the retired sample was not aware of the FLTCIP offering. Therefore, perhaps improving communication with the retired Federal family members and focusing on boosting confidence about the plan choices could result in encouraging more of these members of the federal family to make the connection between their attitudes and opinions and enrolling in the FLTCIP.

NOTES

  1. It is important to note that this sample of non-responders is a convenience sample and cannot be generalized to the population of federal family members. There is no way to calculate response rates or to determine how many active employees received the link to the survey from their implementation coordinators.

  2. An "Active" is defined as an individual still working as a federal employee.

  3. A small percentage of non-responders indicated that they have LTC insurance with another company (4% of actives and 9% of retired) and these were removed from analyses regarding LTC and insurance.

APPENDIX

Notes for Tables

Unless otherwise indicated, the analysis of the data is based on the responses of 6,870 active and 487 retired non-responders.

All significance tests are based on 5% level or better. Notations for significance are as follows: If one category out of three contains the symbol (*), then the category starred is statistically different from each of the other two categories, but the non-starred categories are not different from each other. If two categories out of the three contain the symbol (*), then those two categories are statistically different from each other, but each of those categories is not statistically different from the third one. If all three categories contain the symbol (*), then all three are statistically different from each other.

Unless otherwise specified, only the response category that has a notation of significance was tested against all other categories. In some cases, it was determined that a combination of categories would be tested. These are indicated in the footnotes. It also may be the case that if categories were or were not combined, it could change the results of the test of significance.

Unless otherwise indicated, only the first response category (i.e., strongly agree, very important, very likely, etc.) or the yes response was tested. Therefore, if there are no notations for significance, the test was not significant at the 5% level.

TABLE A-1: Socio-Demographic Characteristics of Active and Retired Non-Buyers
Socio-Demographic Characteristics Active Non-Responders Retired Non-Responders
Average age 46 67
   Less than 50 56% 11%
   50 to 54 22 7
   55 to 59 15 10
   60 to 64 5 12
   65 and over 2 60
Gender
   Male 50 75
   Female 50 25
Marital status
   Never Married 14 4
   Married 68 69
   Divorced/separated 14 9
   Widowed 2 17
   Domestic Partner 2 1
Presence of children living within 25 miles
   Yes 54 57
   No 46 43
Education level
   Less than high school graduate 0 5
   High school graduate 9 24
   Technical/trade/business school 5 9
   Some college 29 29
   College graduate 36 21
   Graduate degree 21 12
Average income1 $79,443 $49,227
   Less than $15,000 0 6
   $15,000 to $24,999 1 14
   $25,000 to $34,999 4 16
   $35,000 to $39,999 5 12
   $40,000 to $49,999 8 13
   $50,000 to $59,999 10 14
   $60,000 to $69,999 11 5
   $70,000 to $74,999 9 4
   $75,000 to $99,999 23 7
   $100,000 to $124,999 15 4
   $125,000 or more 14 5
Average liquid assets1 $135,359 $138,520
   Less than $10,000 22 23
   $10,000 to $19,999 10 9
   $20,000 to $29,999 9 8
   $30,000 to $49,999 14 12
   $50,000 to $74,999 10 9
   $75,000 to $99,999 6 7
   $100,000 to $124,999 6 7
   $125,000 to $149,999 3 3
   $150,000 to $199,999 5 5
   $200,000 to $249,999 4 5
   $250,000 and above 11 12
Home ownership
   Yes 80 83
   No 20 17
  1. Averages were calculated by taking the midpoints of the ranges.
TABLE A-2: Attitudes and Opinions About Retirement Planning and Long-Term Care Among Active and Retired Non-Responders
Attitudes and Opinions Active Non-Responders Retired Non-Responders
Done retirement planing
   Yes 69% 58%
   No 31 42
Determnied how much to save to live comforably in retirement
   Yes, a definite sense 13 14
   Yes, a general sense 47 52
   No 38 34
   Do not plan to retire 2  
Confident that there is enough money to live comfortably in retirement
   Very confident 13 16
   Somewhat confident 58 49
   Not very confident 20 23
   Not at all confident 8 12
   Do not plan to retire 1  
Standard of living during retirement:
   Better than during working years 10 14
   Same as working years 64 58
   Worse than during working 24 28
   Do not plan to retire 2  
Thought given to paying for LTC expenses
   A great deal 9 13
   Some 43 40
   Not much thought 36 31
   No thought at all 12 16
How important is LTC insurance to retirement planning
   Very important 13 15
   Somewhat important 43 39
   Not very important 27 22
   Not at all important 6 9
   Have not started planning 11 15
I worry how to pay for LTC1
   Strongly agree 10 19
   Agree 39 42
   Disagree 40 31
   Strongly disagree 11 8
It is important to plan now for the possibility of needing LTC services in the future
   Strongly agree 15 21
   Agree 59 57
   Disagree 22 18
   Strongly disagree 4 4
LTC insurance programs sold today will cover the cost of LTC services needed in the future
   Strongly agree 2 1
   Agree 32 23
   Disagree 52 58
   Strongly disagree 14 18
How would LTC costs be paid1
   Medicaid 2 3
   Medicare 12 17
   Medigap Supplement Policy 1 1
   Own health insurance or retiree health care plan 35 36
   Own income 15 24
   Children will help pay 1 0
   Other 3 4
   LTC insurance 1 0
   Don't know2 30 15
  1. Retired buyers were asked whether they worried about how to pay for LTC services before they purchased the FLTCIP and how they would pay for LTC services in the absence of their policy.
  2. This response category was tested for significance and it was found not to be significant.
TABLE A-3: Experience with LTC Among Active and Retired Non-Responders
Experiences with LTC Active Non-Responders Retired Non-Responders
Respondent needed LTC
   Yes 1% 3%
   No 99 97
Spouse needed LTC
   Yes 1 3
   No 99 97
Parent needed LTC
   Yes 49 45
   No 51 55
Close friend needed LTC
   Yes 7 10
   No 93 90
The respondent has been a caregiver
   Yes 22 31
   No 78 69
The respondent knew someone who has used most of his/her assets to pay for LTC
   Yes 42 46
   No 58 54
The respondent has experienced financial hardship as a result of caring for an elderly relative
   Yes 7 10
   No 93 90
The respondent knew someone who has experienced financial hardship as a result of caring for an elderly relative
   Yes 34 40
   No 66 60
TABLE A-4: Self-Assessed Risk of Needing LTC Among Active and Retired Non-Responders
Experiences with LTC Active Non-Responders Retired Non-Responders
How likely is it that:
a) the respondent thinks he/she will need help with everyday activities like bathing and dressing
   Very likely 6% 13%
   Likely 12 12
   Somewhat likely 33 36
   Not very likely 34 27
   Not at all likely 15 12
b) the respondent thinks he/she will need home care services for more than three months
   Very likely 6 12
   Likely 13 14
   Somewhat likely 33 33
   Not very likely 34 29
   Not at all likely 14 12
c) the respondent thinks he/she will need nursing home care for more than three months
   Very likely 6 10
   Likely 12 11
   Somewhat likely 31 32
   Not very likely 35 31
   Not at all likely 16 16
d) the respondent thinks he/she will need care provided in an assisted living facility for more than three months
   Very likely 7 11
   Likely 14 13
   Somewhat likely 32 34
   Not very likely 31 29
   Not at all likely 16 13
TABLE A-5: Beliefs About LTC Among Active Retired Non-Responders
Experiences with LTC Active Non-Responders Retired Non-Responders
It is important to avoid using own income and savings to pay for LTC
   Strongly agree 27% 34%
   Agree 50 43
   Disagree 19 20
   Strongly disagree 4 3
It is important to choose the place where to receive care
   Strongly agree 33 41
   Agree 55 50
   Disagree 9 6
   Strongly disagree 3 3
There are public programs that will pay the cost of LTC
   Strongly agree 4 6
   Agree 29 33
   Disagree 53 47
   Strongly disagree 14 14
TABLE A-6: Awareness of LTC Insurance Among Active and Retired Non-Responders
Awareness of LTC Insurance Active Non-Responders Retired Non-Responders
Have you ever heard of LTC insurance
   Yes 91%* 85%
   No 9 15
Do you know someone who has LTC insurance
   Yes 30 33
   No 70 67
Have you ever considered buy LTC insurance
   Yes 55* 41
   No 45 59
How strongly do you agree with the statement that you will never purchase LTC insurance
   Strongly agree 3* 7
   Agree 11 19
   Disagree 63 52
   Strongly disagree 23 22
TABLE A-7: Opinions about LTC Insurance Among Active and Retired Non-Responders
Opinions about LTC Insurance Active Non-Responders Retired Non-Responders
Do you currently have LTC insurance
   Yes 4% 9%
   No 96 91
Did you buy your LTC insurance after you heard about the FLTCIP1
   Yes 9 2
   No 72 31
   I did not know about the FLTCIP 19 67
I would buy LTC insurance now but there are competing demand on my money
   Strongly agree 24 24
   Agree 44 49
   Disagree 27 22
   Strongly disagree 5 5
I would buy LTC insurance now but I am unsure that I can make good decisions about it
   Strongly agree 10 9
   Agree 39 44
   Disagree 41 34
   Strongly disagree 10 13
Insurance companies sell adequate coverage for LTC services
   Strongly agree 4 2
   Agree 40 32
   Disagree 43 52
   Strongly disagree 13 14
  1. This question was only asked of those people who stated that they currently had LTC insurance; therefore the percentage of people who said they did not know about the FLTCIP are only of those non-buyers and non-responders who have LTC insurance.
TABLE A-8: Awareness about the Federal Program Among Active and Retired Non-Responders
Awareness about the Federal Program Active Non-Responders Retired Non-Responders
Are you aware that the Federal Government is sponsoring a LTC insurance program
   Yes 82%* 32%
   No 18 68
Request an information kit and application1
   Yes, and received one 90 83
   Yes, and did not receive one 10 17
  1. This was asked as a screening question on both the mail and Internet survey. Those who responded that they did request an information kit and application were removed from the non-responder sample (less than 1% removed), but we wanted to show that most of those who requested kits received them.
TABLE A-9: Exposure to Promotional Activities Among Active and Retired Non-Responders Promotional Activities Active Non-Responders Retired Non-Responders
Promotional Activities Active Non-Responders Retired Non-Responders
Did you do any of the following:
a) Talk to colleagues about the federal program1
   Did not talk to colleagues 61% 93%
   Did talk to colleagues 39 7
   Found it to be helpful 57 69
   Did not find it to be helpful 43 31
b) Talk to human resource representative1
   Did not talk to human resource representative 88 97
   Did talk to human resource representative 12 3
   Found it to be helpful 67 67
   Did not find it to be helpful 33 33
c) Read "Get Smart About Your Future"1
   Did not read "Get Smart About Your Future" 58 76
   Did not know about "Get Smart About Your Future" 11 12
   Did read "Get Smart About Your Future" 31 12
   Found it t be helpful 75 75
   Did not find it to be helpful 25 25
d) Read advertisements1
   Did not read advertisements 50 70
   Did not know about advertisements 7 10
   Did read advertisements 43 20
   Found them to be helpful 69 76
   Did not find them to be helpful 31 24
e) Visit websites describing the federal program1
   Did not visit websites describing the federal program 54 86
   Did not know about the websites describing the federal program 6 10
   Did visit websites describing the federal program 40 4
   Found them to be helpful 77 90
   Did not find them to be helpful 23 10
f) Read banner ads1
   Did not read banner ads 72 89
   Did not know about the banner ads 9 8
   Did read banner ads 19 3
   Found them to be helpful 57 63
   Did not find them to be helpful 43 37
g) Read newspaper article1
   Did not read newspaper articles 64 70
   Did not know about the newspaper articles 8 8
   Did read newspaper articles 28 22
   Found them to be helpful 71 67
   Did not find them to be helpful 29 33
h) Read general brochures1
   Did not read general brochures 42 64
   Did not know about the general brochures 4 11
   Did read general brochures 54 25
   Found them to be helpful 74 83
   Did not find them to be helpful 26 17
i) Call toll-free number 1
   Did not call a toll-free number 85 88
   Did not know about the toll-free number 10 10
   Did call a toll-free number 5 2
   Found it to be helpful 66 75
   Did not find it to be helpful 34 25
  1. The response for "helpful" and "not helpful" are calculated on the basis of only those respondents who did the specific activity.
This policy brief was prepared under contract between the U.S. Department of Health and Human Services, Office of the Assistant Secretary for Planning and Evaluation, Office of Disability, Aging and Long-Term Care Policy (DALTCP) and LifePlans, Inc. For additional information on this subject, or to view the other briefs in this series, you can visit the ASPE home page at http://aspe.hhs.gov, the DALTCP home page at http://aspe.hhs.gov/_/office_specific/daltcp.cfm or contact the ASPE Project Officer, Hunter McKay, at HHS/ASPE/DALTCP, Room 424E, H.H. Humphrey Building, 200 Independence Avenue, S.W., Washington, D.C. 20201, Hunter.McKay@hhs.gov.
Data Briefs on Federal Long-Term Care Insurance Buyers/Non-Buyers

A total of nine Policy Briefs are available from the Office of Disability, Aging and Long-Term Care on this subject:

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