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Proposal would add Kentucky to mix of states trying to address long-term care financing

insurance policy
insurance policy
(Credit: teekid / Getty Images)

Senior living provider groups are applauding Kentucky’s proactive approach to helping its residents pay for future long-term care needs with a proposal to form a task force to explore a statewide insurance program.

House Joint Resolution 100 would create a task force to explore the feasibility of implementing a statewide insurance program for long-term services and supports. The body would be required to submit recommendations to the state by Sept. 1, 2026. 

The group would include members from several state agencies, an actuary with expertise in long-term care insurance, a health policy expert, long-term care provider association representatives, advocates from older adult and consumer organizations, long-term care provider employees and residents, and family caregivers. 

The task force would be charged with establishing a joint public-private system to make long-term care accessible. Any long-term care insurance program that was part of the system would require mandatory participation but offer an opt-out provision.

Given the number of people who will need such services in the coming years, the Kentucky Association of Health Care Facilities / Kentucky Center for Assisted Living said that it appreciated that the General Assembly recognized the need to be proactive.

“The decision by the General Assembly to delve into the potential of a comprehensive long-term insurance program underscores their commitment to addressing the evolving needs of our community,” KAHCF President Adam Mather told McKnight’s Senior Living. “With an aging population and increasing demand for long-term care services, it’s imperative that we take proactive measures to ensure accessible and sustainable support for all individuals in need.”

LeadingAge Kentucky said that it was closely monitoring the proposal but welcomed additional payer sources for long-term services and supports. 

Fourteen states — Alaska, California, Colorado, Hawaii, Illinois, Michigan, Minnesota, Missouri, New York, North Carolina, Oregon, Pennsylvania, Utah and Washington — are considering or have introduced plans to tax those without long-term care insurance. 

The WA Cares Act in Washington state is facing an initiative to allow anyone to opt out of its new long-term care insurance program. A coalition of public health and consumer advocate organizations that includes senior living provider groups said that if the initiative passes, then workers no longer would have access to an “affordable guaranteed benefit” to help pay for home care, home modifications and other long-term care support when they need it.

The maximum benefit available to each eligible individual in Washington for long-term care services and supports, beginning July 2026, is $36,500. The amount will be adjusted annually up to the level of inflation.

Source: McKnights Seniorliving

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