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The federal government does not provide universal social insurance for the risk of needing nonmedical custodial care in old age. A majority of individuals aged sixty-five or older will require long-term care (LTC, also known as long-term services and supports) at some point in their lives. LTC includes assistance with activities of daily living, such as eating, bathing, dressing, getting in and out of a chair or bed, walking, toileting, and continence. This chapter explores the implications – for current and future seniors and their caregivers – of increased longevity and other trends on unpaid LTC and on publicly funded and privately funded paid LTC. In addition to addressing alternative means of accessing and funding LTC, this chapter highlights recent LTC innovations, new developments in the law, and federal LTC reform proposals.
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