Tell E J, Wallack S S, Cohen M A
Brandeis University.
Milbank Q. 1987;65(4):551-74.
Current approaches to financing long-term care are inadequate; they are even less likely to meet future needs of increasing numbers of disabled and chronically ill elderly persons. While insurers, providers, and policy makers are developing models of risk-pooling that cover long-term care, the industry that first put these concepts into practice is moving in other directions. Despite the success of many continuing-care retirement communities in offering full and affordable long-term care coverage, a new trend emphasizes amenities over comprehensiveness. Sponsorship and consumer demand are contrasted with insurability of risks as key issues for the industry and for policy makers.
当前长期护理的融资方式并不充足；它们甚至更难以满足越来越多残疾和慢性病老年人未来的需求。虽然保险公司、服务提供商和政策制定者正在开发涵盖长期护理的风险共担模式，但率先将这些概念付诸实践的行业却在朝着其他方向发展。尽管许多持续照料退休社区在提供全面且负担得起的长期护理保险方面取得了成功，但新趋势更强调设施便利而非全面性。赞助和消费者需求与风险的可保性形成对比，这是该行业和政策制定者面临的关键问题。
