SPECIFIC REFERENCES
1. Caregiver Chartbook - Robert Wood Johnson Foundation
2. National Alliance for Caregiving Pension & Benefits Reporter, June 1, 1998.
3. The Family Caregiver Alliance, April 24, 1997.
4. Dictionary of Insurance Terms, 3rd Edition
5. Title 18, 1404 Long-Term Care Insurance, 5.1
6. Title 18, 1404 Long Term Care Insurance 5.9
7. Title 18, 1404 Long Term Care Insurance 5.14.
8. Title 18, 1404 Long Term Care Insurance 5.5
9. AARP Public Policy Institute
10 The Age Wave.
11. Area Agency on Aging
12. CDC, National Nursing Home Survey, NCHS
13. HCFA
14 US News & World Report
15. Health Insurance Association of America, 6/28/01
16. Source: STAT Research Survey study conducted by Center for Aging Research and Education:
17. National Center for Assisted Living
18. 18 Del.C. §7103(4)a 8.1.2
19. 18 Del.C. §7103, 8.2
20. 18 Del.C. §7103, 8.2.5
21. 18 Del.C. §7103, 8.2
22. 18 Del.C. §7103, 8.3
23. 18 Del.C. §7103,8.5
24. 18 Del.C. §7103, 4.2
25. 18 Del.C. §7103, 4.3
26. 18 Del.C. §1404(4.5)
27. 18 Del.C. §7103, 19.2
28. 18 Del.C. §7103, 19.3
29. Alliance for Aging Research's "Medical Never-Never Land: 10 Reasons Why America's Not Ready for the Coming Age Boom."
30. National Institute on Aging, Congressional Justification FY 2001
31. The Wall Street Journal, 2/21/01
32. Who will Care For Us? Robert Wood Johnson Foundation
33. 18 Del.C. §7103, 22.1 (8)
34. (Dictionary of Insurance Terms)
35. HIPAASec.262,Part C, Sec.1171(5)(G)
36. 18 Del.C. § 1404, 5.11
37. 18 Del.C. §1404,5.12
38. 18 Del.C. §1404 Health Insurance Specific Provisions, 22.5 (9)
39. 18 Del.C. §1404 Health Insurance Specific Provisions, 26.1
40. 18 Del.C. § 1404 Health Insurance Specific Provisions, 26.2
41. 18 Del.C. § 1404 26.3
42. 18 Del.C. § 1404 26.4.1-7.2
43. 18 Del.C. § 1404, 7.7
44. 18 Del.C. § 1404, 26.4.2
45. 18 Del.C. § 1404, 5.52
46. 18 Del.C. §1705(b)(2)
47. 18 Del.C. § 1404 Section 29.1
48. 18 Del.C. § 1404 Section 29.2
49. 18 Del.C. § 1404 Section 29.1-2
50. 18 Del.C. § 1404, 29.1.5
51. 18 Del.C. § 140,4 29.2
52. 18 Del.C. § 1404,29.3
53. 18 Del.C. § 140,4 29.4
54. 18 Del.C. § 1404, 29.5
55. 18 Del.C. § 1404, 29.6.1
56. 18 Del.C. § 1404,29.6.2
57. 18 Del.C. § 140, 29.7
58. 18 Del.C. § 1404, 29.7.3.1-4
59. ibid 29.8
60. 18 Del.C. § 1404, 29.8.1
61. 18 Del.C. § 1404, 29.8.1-4
62. 18 Del.C. §7105(d)(1)
63. 18 Del.C. §7105(d)2-5
64. 18 Del.C. § 1404, 5.12
65. 18 Del.C. §1404 5.13
66. 18 Del.C. §7105 (b)(3)
67. 18 Del.C. §1404 5.14
68. 18 Del.C. § 1404 12.0 – 121.1-1.9
69. 18 Del.C. § 1404, 12.2
70. 18 Del.C. § 1404, 12.3
71. 18 Del.C. § 1404,12.2
72. 18 Del.C. § 7105, and 1404, 22
73. ibid 16.1
74. 18 Del.C. § 1404. 24.1
74A. ibid 24.1.6
75. ibid 24.0.
76. 18 Del.C. § 1404, 24.2
77. 18 Del.C. §7105 (g)(c)
78. 18 Del.C. §7105 (i)
79. 18 Del.C. § 1404, 14.3
80. 18 Del.C. § 1404, 14.4
81. ibid 14.5
82. ibid 14.6
83. 18 Del.C. § 1404. 30
84. 18 Del.C. § 1404, 15
85. 18 Del.C. § 1404, 31
86. 18 Del.C. § 1404, 25
87. ibid
88. 18 Del.C. § 1404,28
89. 18 Del.C. § 1404,27.0
90. 18 Del.C. § 1404 ,14.0
91. ibid
92. 18 Del.C. § 1404, 15
93. 18 Del.C. § 7105(c)
94. 18 Del.C. § 1404,7.4
95. 18 Del.C. § 1404,11
96. 18 Del.C. § 1404,11.3
97. 18 Del.C. § 1404, 11.3
98. 18 Del.C. § 1404,11.4
99. 18 Del.C. § 1404,11.5
100. 18 Del.C. § 1404,6.2
101. 18 Del.C. § 1404, 6.3
102. 18 Del.C. § 1404,6.6
103.. Section 18 Del.C. § 1404,7.1
104. 18 Del.C. § 7105(b)(1)
105. 18 Del.C. § 1404, 6.1
106. 18 Del.C. § 1404,6.2
107. 18 Del.C. § 1404,6.1.3
108. 18 Del.C. § 1404, 6.4.7
108A. (Employee Benefit Plan Review, 1995)
109. 18 Del.C. § 1404,6.1.4.2
110. 18 Del.C. § 1404,6.1.5
111. 18 Del.C. § 1404, 8.2
112. 18 Del.C. § 1404, 8.2.5
113. 18 Del.C. § 1404.8.3
114. 18 Del.C. § 1404,8.4
115. 18 Del.C. § 1404,8.5
116. 18 Del.C. § 1404, 19.2
117. 18 Del.C. § 1404, 19.3
118. ibid 7.2
119. ibid 7.5
120. 18 Del.C. §7105,(f)
121. 18 Del.C. § 1404, 13
122. 18 Del.C. § 1404, 13
123. 18 Del.C. § 1404, 13.7
124. 67 Del. Laws, c. 102, § 1; 68 Del. Laws, c. 160, §§ 4-7.
125. 18 Del.C. § 1404, 7.6.1
126. 18 Del.C. § 1404, 7.6.1
127. 18 Del.C. § 1404, 7.6.2
128. (IRC Sec. 7702B(a))
129. Internal Revenue Code (IRC) Sec. 213(a) and IRC Sec. 213(d)(1)(D)
130. IRC Sec 213(d)(10)
131. IRC Sec. 162(l)(1)(A) and Sec. 213.
132. IRC Sec. 162(l)(1)(B).
133. IRC Sec. 106
134. ibid
135. ibid
136. 18 Del.C. §1404 (5.2)
137. Stone and Kemper, 1989
138. Aging in America, 1991
139. 18 Del.C. § 1404, 5.6
140. 18 Del.C. § 1404, 5.3
141. ibid 1404, 5.12
142. (Section 1924 of the Social Security Act; U.S. Code Reference 42 U.S.C. 1396r-5)
143. (Section 1917(c) of the Social Security Act; U.S. Code Reference 42 U.S.C. 1396p(c))
144. Title 18 §7103(4)
145. ibid
146. ibid 6.4.1
147. ibid 6.4.2
148. ibid 6.4.3
149. ibid 6.4.4
150. ibid 6.4.1.1
151. ibid 6.4.5
152. ibid 6.4.6
153. ibid 6.4.8
154. ibid 6.4.9
155. ibid 6.4.9
156. ibid 6.5
157. (Code Sec. 106)
158. (Code Sec. 105)
159. §7105(c)(1)
160. ibid 7.4
REFERENCES
Note: References to laws and regulations are noted after each quote. Other references to publications, internet addresses, etc., are also found after the quote.
“Life and Health Insurance”
Black and Skipper
13th Edition, Prentice Hall
J. K. Lasser’s “Choosing the Right long-Term Care Insurance”
Benjamin Lipson
John Wiley and Sons
“Long Term Care Insurance Made Simple”
Les Abromovits
Health Information Press
“Long Term Care: A Growing Market”
AMC Publishing Company
“Who Will Pay For Long Term Care?
Insights from the Partnership Programs
Nelda McCall, Editor
Academy For Health Services Research and Health Policy, Health Admin. Press
“The Ernst & Young Tax Guide, 2006”
Wiley Publishing Co.
“Wall Street’s View of Nursing Facilities”
The Center for Medicare and Medicaid Services (CMS)
Nursing Facilities
U.S. Govt. May 20, 2003
“Do You Need Long-term-care Insurance”
Consumer Reports, Nov. 2003
Indiana Long Term Care Program Statute
Indiana Administrative Code 760-2-1
“Bush’s Unheralded Health Care Agenda”
Merrill Matthews
The Weekly Standard 12/27/04
Insurance Code Section 790-790-15 State of Delaware
67 Del. Laws, c. 102, § 1; 68 Del Laws, c. 160, §§ 4-7
70 Del. Laws, c. 351, §1.
68 Del. Laws, c. 160 §9
18 Del.C. §§102 & 7103
2 DE Reg. 2113 (5/1/99)
Delaware Statutes XVII-Chapter 627 (as indicated in text)
NAIC Long Term Care Insurance Model Bill (as indicated in text)
“The Financial Strain of Aging – Long-Term Care”
Lothar Vasholz, CLU, ChFC, LLIF
Life Insurance Selling, Aug. 1997
“Senior Markets”
Continuing Education Course 359
Clearwater Insurance School
“Long Term Care Insurance Seminar”
Benefit Services
Reistertown, MD
“The Pie in the Sky, Targeting the Group LTC Client”
Christine McCullugh
Life Insurance Selling, 7/3/2004
“Dictionary of Insurance Terms”
Harry W. Rubin, Ph.D., CLU, CPCU
Barron’s Business Guides
“Black’s Law Dictionary”
West Publishing Co.
“Producers Guide to Long-Term Care, 2004”
Life Insurance Selling, Dec. 2004
Sample Policies and Rates from several Long-Term Care Insurance Carriers,
Including Penn Treaty and GE Capital
“The Consumers Guide to Long-Term Care Insurance”
Stephan R. Rasoley
First Books Library
“Understanding Long-Term Care Insurance”
Jeff Sadler
HRD Press
“Long-term Care Insurance, How to make decisions that are right for you”
Dr. Penelope S. Tzougros, ChFC, CLU
Wealthy Choices
The Legal Environment of Risk Management and Insurance”
Mallor, Barnes, Bowers, Phillips, Langvardt
McGraw Hill
Plan Your Estate
Dennis Clifford & Cora Jordan
Nolo Publishing 2002
California Long Term Care, 2004 LTC
WebCE.Com
Insurance Code Section 790-790-15 State of Delaware
Delaware Statutes XVII-Chapter 627 (as indicated in text)
NAIC Long Term Care Insurance Model Bill (as indicated in text)
Plus many Internet sites contacted for various information for this text.
Delaware and Federal Medicaid Regulations searched as indicated in text.