INDEPENDENT CHOICES: A National Symposium on Consumer-Direction and Self-Determination for the Elderly and Persons with Disabilities. A Descriptive Analysis of Patterns of Informal and Formal Caregiving among Privately Insured and Non-Privately Insured Disabled Elders Living in the Community

LifePlans, Inc., and The Center for Health and Long-Term Care Research
April 1999


This research was designed to answer current questions surrounding long-term care insurance. It was also designed to provide basic sociodemographic and service utilization profiles for disabled private long-term care insurance policyholders, and to compare such data and findings to the experiences of non-insured disabled community-dwelling elders. Finally, the authors set out to discuss the implications of such findings on the service delivery system as well as on the design of private and public long-term care programs and policies. This was done by interviewing about 700 community-dwelling long-term care insurance claimants receiving benefits under their policies. Also interviewed were their informal caregivers.

The Executive Summary and Full Report available here, or can be ordered from the HHS Office of Disability, Aging and Long-Term Care Policy, Room 424E, H.H. Humphrey Building, 200 Independence Avenue, S.W., Washington, DC 20201, Fax: 202-401-7733, E-mail:, Web site: