Abstracts » Insurance

Long-term care insurance: a mixed opportunity

Article Abstract:

Insurers marketing long-term care insurance should be careful to fully understand new opportunities created by changes to federal laws to customers in order to avoid the costly mistake of being perceived as engaging in questionable practices, as such marketers were in the 1980s. The federal Health Insurance Portability and Accountability Act of 1996 allows customers to deduct premiums for long-term policies from their taxable income, but stipulations govern the deductions.

Insurance industry, Long-term care of the sick, Long term care

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Tax reform for LTC: defuses the Medicaid bomb

Article Abstract:

Tax changes in long-term care (LTC) insurance will benefit insurers, employers, employees and the Medicaid system. Under a new health care reform bill, employers can deduct the cost of LTC coverage as employee compensation and employees will not be required to pay taxes on LTC benefits. The bill will also benefit insurers by boosting sales of LTC policies. The move is expected to mitigate the number of older Americans who enter the Medicaid system.

Economic aspects, Health care reform, Long-term care insurance, Long term care insurance

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ADA: the bill of rights for AIDS patients

Article Abstract:

The Americans with Disabilities Act (ADA) helps protect the rights of AIDS patients to obtain health insurance through their employer. The Equal Employment Opportunity Commission's interpretation and use of the ADA protects workers with AIDS, HIV or AIDS related complex from employer discrimination. The ADA is often cited in cases involving the capping of benefits to AIDS patients.

AIDS patients

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