A Report on the Actuarial, Marketing, and Legal Analyses of the CLASS Program. References:

10/14/2011

Public Health Service Act, 42 U.S.C. 201

Cohen, M.A., Shi, X., and Miller, J.S. 2009. Cognitive and Functional Disability Trends for Assisted Living Facility Residents. Society of Actuaries.

Stallard, E. 2008. Estimates of the Incidence, Prevalence, Duration, Intensity and Cost of Chronic Disability among the U.S. Elderly.Society of Actuaries.

Manton, K.G., Corder, L.S., and Stallard, E. 1993. “Estimates of Change in Chronic Disability and Institutional Incidence and Prevalence Rates in the U.S. Elderly Population From the 1982, 1984, and 1989 National Long Term Care Survey.” Journal of Gerontology: Social Sciences 8(4): S153-66.

Kemper, P., Komisar, H.L., and Alexcih, L. 2005. “Long-Term Care Over an Uncertain Future: What Can Current Retirees Expect?” Journal of Inquiry 42: 335-350.

Wang, H., Zhang, L., Yip, W., and Hsiao, W. 2006. “Adverse selection in a voluntary Rural Mutual Health Care health insurance scheme in China”.Social Science and Medicine 63: 1236-1245.

De Donder, P., and Hindriks, J. 2008. “Adverse selection, moral hazard and propitious selection”. Journal of Risk and Uncertainty 38(1): 73-86.

Belli, P. Year.How Adverse Selection Affects the Health Insurance Market. Harvard School of Public Health.

American Health Insurance Plans. 2007 Who Buys Long-Term Care Insurance: A 15-year Study of Buyers and Non-Buyers, 1990-2005.

Burman, L.E., and Johnson, R.W. 2007. A Proposal to Finance Long-Term Care Services Through Medicare With an Income Tax Surcharge. Working Paper No. 8, Georgetown University Long-Term Care Financing Project.

Manton, K.G., Corder, L., and Stallard, E. 1997. Chronic disability trends in elderly United States populations: 1982-1994. Proceedings of the National Academy of Sciences 94: 2593-98.

American Academy of Actuaries. 1999. Long-term Care: Actuarial Issues in Designing Voluntary Federal-Private LTC Insurance Programs.Public Policy Monograph.

Social Security Administration. 2008. Characteristics of Disabled-Worker Beneficiaries Receiving Workers’ Compensation or Public Disability Benefits Compared With Disabled-Worker Beneficiaries Without These Additional Benefits. Office of Policy: Office of Disability and Income Assistance Policy. Research and Statistics Note No. 2008-01.

Oster, E., Shoulson, I., Quiad, K., and Dorsey, E.R. 2009. Genetic Adverse Selection: Evidence From Long-Term Care Insurance and Huntington Disease. National Bureau of Economic Research: Working Paper 15326.

Stallard, E., and Yee, R.K.W. 1999. Non-Insured Home and Community-Based Long-Term Care Incidence and Continuance Tables. Prepared for the Non-Insured Home and Community Experience Subcommittee of the Long-Term Care Experience Committee.

Rupp, K., Davies, P.S., and Strand, A. 2008. Disability Benefit Coverage and Program Interactions in the Working-Age Population. Social Security Bulletin: Vol 68, No. 1.

Spillman, B.C. 2005. Assistive Device Use Among the Elderly: Trends, Characteristics of Users, and Implications for Modeling. Prepared for Office of Disability, Aging and Long-Term Care Policy, Office of the Assistant Secretary for Planning and Evaluation, U.S. Depart of Health and Human Services. Contract #HHS-100-97-0010.

Fang, H., Keane, M.P., and Silverman, D. 2008. “Sources of Advantageous Selection: Evidence from the Medigap Insurance Market”. Journal of Political Economy 116(2): 303-350.

Miller, J.S., Shi, X., and Cohen, M.A. 2008. Private Long-Term Care Insurance: Following an Admission Cohort over 28 Months to Track Claim Experience, Service Use and Transitions. Prepared for Office of Disability, Aging and Long-Term Care Policy, Office of the Assistant Secretary for Planning and Evaluation, U.S. Depart of Health and Human Services. Contract #HHS-100-02-0014.

Spillman, B.C. 2005. The Impact of Disability Trends on Medicare Spending. Prepared for Office of Disability, Aging and Long-Term Care Policy, Office of the Assistant Secretary for Planning and Evaluation, U.S. Depart of Health and Human Services. Contract #HHS-100-97-0010.

Greene, V.L., Lovely, M.E., Miller, M.D., and Ondrich, J.I. 1995. “Reducing Nursing Home Use Through Community Long-Term Care: An Optimization Analysis.” Journal of Gerontology: Social Sciences 50B(4): S259-268.

Purushotham, M. and Muise, N. 2006. Long-Term Care Insurance Persistency Experience. LIMRA International and Society of Actuaries.

Davey, A., Femia, E.E., Zarit, S.H., Shea, D.G., Sundstrom, G., Berg, S., Smyer, M.A., and Savla, J. 2005. “Life on the Edge: Patterns of Formal and Informal Help to Older Adults in the United States and Sweeden”. Journal of Gerontology: Social Sciences 60B(5): S281-288.

Freedman, V.A.,Crimmins, E., Schoeni, R.F., Spillman, B.C., Aykan, H., Kramarow, E., Land, K., Lubitz, J., Manton, K., Martin, L.G., Shinberg, D., and Waidmann, T. 2004. “Resolving Inconsistencies in Trends in Old-Age Disability: Report from the Technical Working Group”. Demography 41(3): 417-441.

Finkelstein, A., and McGarry, K. 2006. “Multiple Dimensions of Private Information: Evidence from the Long-Term Care Insurance Market”. The American Economic Review 96(4): 938-958.

Murtaugh, C.M., and Litke, A., 2002. “Transitions Through Postacuteand Long-Term Care Settings: Patterns of Use and Outcomes for a National Cohort of Elders.” Medical Care 40(3): 227-236.

Brown, J.R., and Finkelstein, A. 2008. “The Interaction of Public and Private Insurance: Medicaid and the Long-Term Care Insurance Market.” The American Economic Review 93(3): 1083-1102.

McNeil, J.M. 2000. Employment, Earnings, and Disability. Prepared for the 75th Annual Conference of the Western Economic Association International.

ElJay, LLC. 2008. A Report on Shortfalls in Medicaid Funding for Nursing Home Care. Prepared for the American Health Care Association.

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Mollica, R.L. 2009. State Medicaid Reimbursement Policies and Practices in Assisted Living. Prepared for the National Center for Assisted Living and the American Health Care Association.

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The MetLife Market Survey of Nursing Home & Assisted Living Costs: 2008. MetLife Mature Market Institute.

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