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Journal of Applied Gerontology
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Coverage of Adult Day Services in Long Term Care Insurance Policies

Rona Smyth Henry

The Robert Wood Johnson Foundation

Burton V. Reifler

Wake Forest University

Private long term care insurance is growing in availability with 3.4 million policies sold by the end of 1993. This article examines nine policies with particular emphasis on how coverage of adult day services relates to actual beneficianes' needs and current practices among day center providers. Review of eligibility requirements for beneficiaries and for adult day centers showed variability among policies. Some requirements were counterproductive to beneficiaries' needs whereas others did not encourage the most cost effective care. Based on lessons learned from two Robert Wood Johnson Foundation national programs, recommendations are offered that are intended to make such policies more useful to beneficiaries.

Journal of Applied Gerontology, Vol. 16, No. 2, 221-234 (1997)
DOI: 10.1177/073346489701600206
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