Only two out of five older adults with significant disabilities have the assets on hand to pay for at least a couple of years of extensive in-home care. healthcare
At the moment, paid home care tends to be expensive -- an average $22 an hour -- and isn't typically covered by insurance, the study authors said in background notes.home care services, the researchers noted. Medicaid does cover home care, but there's a waiting list and people have to be financially wiped out to qualify.
Washington passed a law that imposes a 0.58% payroll tax on workers -- a premium that pays into a fund to pay for home care, nursing home stay or family caregivers if they become disabled, Johnson said. Fishman said another option is to change Medicare and Medicaid to cover long-term care. Consideration of such a change probably should be pursued outside the larger health care reform discussion, he added.
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