(Note: A series of numbers referenced starting with 102 indicates the California Insurance Code (CIC) Section number.)
1. National Alliance for Caregiving & AARP
2. Dictionary of Insurance Terms, 3rd Edition
3. US General Accounting Office
4. California Department of Health Services
5. California Dept. of Health Services
6. California Partnership for LTC
7. AARP Public Policy Institute
8. The Age Wave
9. Area Agency on Aging
10. CDC, National Nursing Home Survey, NCHS
11. HCFA
12. US News & World Report
13. Health Insurance Association of America, 6/28/01
14. Source: HCFA, www.hcfa.govllstatsllhtm, 2000
15. STAT Research Survey study conducted by Center for Aging Research and Education
16. Caregiver Chart book - Robert Wood Johnson Foundation
17. National Alliance for Caregiving Pension & Benefits Reporter, June 1, 1998.
18. The Family Caregiver Alliance, April 24, 1997
19. USA Today, July 19, 1994
20. EMPLOYEE BENEFIT REVIEW, 1995
21. Kemper & Murtaugh, New England Journal Of Medicine, February 28, 1991
22. How to Sell Long-Term Care Insurance by Jeff Sadler. Published by The National Underwriter Company
23. HIAA,2001
24. California Partnership for Long-Term Care
25. National Center for Assisted Living
26. Alliance for Aging Research’s “Medical Never-Never Land: 10 Reasons Why America’s Not Ready for the Coming Age Boom.”
27. National Institute on Aging, Congressional Justification FY 2001
28. The Wall Street Journal, 2/21/01
29. Who will Care For Us? Robert Wood Johnson Foundation
30. Stone and Kemper, 1989
31. Aging in America, 1991
32. California Department of Aging, 9/97
33. California Department of Aging September 1997
34. Webster’s Collegiate Dictionary
35. CANHR
36. CANHR
37. 2002 California Partnership for long Term Care based upon data from the California Office of Statewide Health Planning & Development
38. California Partnership for LTC
39. California Partnership for LTC, 2003
40. HCFA 2002
41. Business Week 7/19/99
42. HCFA www.hcFa.gov//slats//htm 2000
43. www.natipaceassn.org) and see also AAHSA [http://www.aahsa.org
44. 10235.2(a)
45. 10231.2
46. 10231.2
47. 10231.4
48. 10231.5
49. 10231.8
50. 10232.1
50A. 10232.1, AB 1483, SB 1052
51. 10232.1(b)
52. 10232.1
53. 10232.1(c)
54. 10232.9(1)
55. 10232.9 (2)
56. 10232.9 (3)
57. 10232.9 (4)
58. 10232.9 (5)
59. 10232.9 (6)
60. 10232.9 (c)(2)(7
61. 10232.9 (d)
61A. 12032.9(6)(c)
62. 10232.1. (d)
63. Dictionary of Insurance Terms
65. NAIC Shoppers Guide to Long Term Care Insurance
66. LTC News and Comment
67. LTC News & Comment
68. 10232.93
69. 10232.93
70. Life insurance Selling December 2004
71. 10233.5
72. 10235.30 (a)(5)
73. 10235.30
74. 10232.7. (a)
75. 10235.40
76. 10236.
77. 10235.51
78. 10235.50
79. 10235.52
80. 10235.91
81. 10232.4
82. 10235. 10
83. 10233.25
84. 10233.25
85. 10232.2
86. 10232.
87. 10232.2
88. 10233.2
89. 10232.4
90. 10233.4
91. California Department of Health, Life Expectancy. Cost data, California Partnership for LTC.
92. Boettner Center of Financial Gerontology, 1998
93. Mouton & Co, Inc. 1998
94. American Council of Life Insurance, Washington DC, 1999
95. Office of Statewide Health Planning & Development
96. Office Of Statewide Health Planning And Development, Part Of The California Health AndWelfare Agency. CPI Produced By Us Bureau Of Labor Statistics.
97. 10237.1
98. 10237.6
99. 10237.1
100. 10237.5(a)
101. 10237.4(b)
102. 10237.4(b)
103. 10237.4 (c)
104 10237.6
105. 10232.25(a)
105A. 10232.25
106. 10232.8(a)
107. 10232.8
107A. 10232.8(b)
108. 10232.8
109. 10232.8(a)
110. 10232.8
111. 10232.8(d)
112. 10232.8(g)(1-7)
113. IRS Notice 97-31
114. 10235.9
115. 102534.94
116. 10232.8
117. NALC Shoppers Guide to Long-Term Care Insurance
118. Dictionary of Insurance Terms, Third Edition
119. Life & Health Insurance, Thirteenth Edition
120. 10232.3(a)(b)(c)
121. 10232.3 (a).
122. 10234.8. (a)(b)
123. 10234.95
124. 10231.6
125. 10234.9. (a)(b)(c)
126. 10234.93
127. 10234.93
128. 10234.93
129. Section 1067-1067.18
130. 10232.3(c)
131. 10233.5
132. 10235.16
133. Sections, 10234.95, 10235.16, and 10235.17
134. 10235.17
135. 10235.16(d)
136. 10234.97(a)
137. 10234.87
138. 10234.97
139. 10234.97(c)
140. 10234.86
141. 10232.1(a)
142. 10232.2. (a)(b)(c)(d)
143. 10232.2
144. Section 7702B
145. 10232.23
146. 10234.95
147. 10234.95
148. 10234.95(b)93)
149. 10234.95. (3) (f)(g)(h)(i)(j)
150. CMS
151. Medicare & You, 2005.
152. National Center for Women & Retirement Research, 1998
153. National Policy and Resource Center on Women and Aging, 1997.
154. US Census, 2000
155. US Census, 2000
156. A Producer’s Guide to Long-Term Care 2004, Life Insurance Selling, Dec. 2004
157. 10232.654(a)
158. 10232.65(b)
159. 10236.11
160. 10234.6. (a)
161. 10234.6(b)
162. 10234.6(a)(b)
163. 10234.6 (d)
164. 10236.1
165. 10236.11
166. 10236.12
167. 10236.13.
168. 10236.15
169. 10234.7
170. 10234.2(c)
171. 10234
172. 10234.2. (a)(b)(c)
173. 10234.(a)(b)(c)
174. 10234.4
175. 10234.5
176. 10235.20
177. The Ernst & Young Tax Guide 2004
178. 10232.2
179. 10235.16(d)
180. 10232.96
181. Consumer Reports -“Do You Need Insurance, Oct. 1997
182. Medicare &You 2005
183. Journal of Ambulatory Care Marketing, 1999
184. Medicare & You 2005
185. U. S. Department Of Health & Human Services, 1988
186. Patricia Nemore, Elder Law Expert &, Florida Health Care Administration Agency
187. CBS News, 2001
188. The Philadelphia Inquirer, March 15, 1998.
189. Health Care Financing Administration, 2000b
190. . Health Care Financing Administration (HCFA).
191. “Medicaid Facts ,” The Kaiser Commission on the Future of Medicaid, November 1997.
192. HCFA 2000
193. The Philadelphia Inquirer, March 15, 1998.
194. Health Care Financing Administration February 19, 2000
195. CANHR
196. California Health and Safety Code, Section 1599-1599.4
197. Ibid. 11890-11892
198. 11890-11892
199. CANHR
200. W&I Code §14006(b)
201. Black’s Law Dictionary, 7th Ed
202. ACWDL Nos. 95—48 & 00-11
203. pursuant to Title 22, Section 50605
204. 22 CCR §50605©
205. 22 CCR §§ 50427, 50416
206. 22 CCR §§ 50427,50416
207. 22 CCR § 50416(b),(j)
208. 22 CCR §§50416, 50417
209. 22 CCR §50412
210. 22 CCR §50485(d), ACWDL 91-28
211. 22CR §50508
212. 42 U.S.C. 1396p, Welfare & Institutions Code § 14009.5 and 22 CCR § 50960 et. seq
213. pursuant to Welfare and Institutions Code, Section 14009.5, and Title 42, United States Code, Section 1396p.
214. Probate Code §215
215. PC §9202
216. www.CANHR.org
217. CANHR & CDH Website
218. Best’s Review, May 1997.
219. 10231.6
220. 10232
221. 10236.5(a)
222. 10236.5(b)
223. 10236.5(c)
224. 10236.5(a)(2)(B)
225. 10236.5(c)
226. 10236.52. (a)
227. 10236.5(c)
228. 10236.5(d)
229. 10232.2. (d)
230. 10236.8
231. 10236.8(b)
232. California Partnership for LTC
233. Long-Term Care: Medicaid’s Role and Challenges (publication #2172) The Henry J. Kaiser Foundation, November, 1999
234. 10232.96.
235. IRC Sec. 213(d)
236. 10232.5(a)
237. 10235.14(B)
238. 10232.8(c)
239. 10232.8
240. 22CR §50508
241. Pub 535. wwwirs.Qov
242. Calif. Health & Welfare Agency & US Bureau of Labor Standards
243. 10232.92(c)
244. 10232.2(d)
245. 10232.3(g)
246. California Partnership for long Term Care
247. 10237.1
248. 10234.85
249. 10236
250. 10232.8
251. 10236.1
“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
“The Ernst & Young Tax Guide, 2004”
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 Florida
“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
NAIC Shopper's Guide
National Association of Insurance Commissioners, 1998
Expanded Damages in Elder Abuse Cases
American Bar Association Journal, Jan 1998, P. 39
Report, Findings, and Recommendations of the Working Group on Long-Term Care.
U.S. Dept. of Labor, Advisory Council on Employee Welfare & Pension Benefits.
November 14, 2000
Who Buys long-Term Care Insurance in 2000
Life Plans, Prepared for HIAA, October 2000
Long-Term Care Premiums Vary Widely: Policies Too Complex
Weiss Ratings, June 4, 2001