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Community Resources
Private insurance companies, government programs and public/private partnership programs that issue individual and group insurance plans or policies which pay for nursing facility care, home health care, adult day health care, respite care, hospice care and/or home modifications to eliminate barriers for people who are chronically ill. Long-term care policies cover all levels of care including skilled, intermediate and custodial. Benefits may be triggered when an individual’s doctor orders care, when s/he has some cognitive impairment or if s/he is unable to perform certain activities of daily living independently such as bathing, dressing, eating and toileting. A limited number of states participate in public/private partnerships which have provisions to protect participants from becoming impoverished in order to become eligible for Medicaid long-term care benefits.
The mission of the NAIC is to assist state insurance regulators, individually and collectively, in serving the public interest and achieving their regulatory goals which include protecting the public interest; promoting competitive markets; facilitating fair and equitable treatment of consumers; promoting reliability, solvency and financial solidity of insurance institutions; and supporting and improving state regulation…