Lessons from South Dakota Partnership Public Education effort 200708

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Lessons from South Dakota Partnership Public
Education effort 2007-08

• Don Grimes
• Long Term Care Education Specialists
• Whatislongtermcare.com
• Grimesltc_at_gmail.com
• 949-370-1464

Partnership Summit 9 July 2008
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Challenges and specific solutions for Partnership
promotion/education

• Challenges
• Confusing subject for most lay people
• Inaccurate press coverage
• Distribution channel (agents) not comfortable
  with product
• Scarce resources

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Solution key concepts must be broken down into
simple English and given with examples

• Sample of key concepts to be presented
• 1) LTCI is consumer friendly
• 2) Do the following cover LTC costs?
• Health Insurance
• Disability Insurance

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When will I need Long-Term Care?

• When your licensed health care provider says you
  cannot perform at least 2 of 6 Activities of
  Daily Living (ADLs) for a period expected to last
  at least 90 days (bathing, continence, dressing,
  eating, toileting and transferring).
• OR
• When your licensed health care provider says you
  have a severe cognitive impairment that makes you
  a threat to yourself or others and it is expected
  to last at least 90 days.
• Long-term care can be provided in a variety of
  places, including a person's Home, an Assisted
  Living Facility or a Nursing Home.
• Key questions for understanding when you are
  eligible for benefits
• Do you have to be at least 65 years old?
• Do you have to be in a hospital first?
• Do you have to be out of work?

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Health insurance vs. Long-Term Care Insurance

• Health Insurance group or individual, tries to
  cure you. It pays for Skilled Care from someone
  who typically has a license. e.g. MD, RN,
  Physical Therapist.
• Long-Term Care Insurance doesnt try to cure
  you. It typically pays for what is called
  unskilled care or custodial care or personal
  care. The care we need to live day by day. It
  also pays for supervision.
• Back blow out example

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Does Health Insurance cover Long-Term Care?

• Example 1
• Exclusions Custodial care
• Example 2
• Medical care not covered Custodial Care or Rest
  Cures.
• Example 3
• Exclusions Custodial care, except for covered
  hospice care.

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Does Short-Term Disability Insurance or Long-Term
Disability Insurance cover Long-Term Care?

• Short-Term Disability Insurance and Long-Term
  Disability Insurance are paycheck insurance.
• They typically replace part of your paycheck (50
  to 66) if you are unable to work.
• Disability Insurance typically does not pay to
  have someone take care of you.

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• Solution key concepts must be repeated in the
  presentation to help retention and you must test
  for comprehension in ways that are interesting or
  even fun for the audience

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Cure vs. Care- test for understanding

• Gardening and Rodeo Injuries
• A 30 year old man with group health insurance and
  disability insurance from work.
• His 75 year year old Grandma who has Medicare

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Cure vs. Care

• Young man
• Health insurance would cover
• Disability insurance would cover
• Long-Term Care Partnership Insurance policy would
  cover
• Grandma
• Medicare would cover
• Medicaid would cover
• Long-Term Care Partnership Insurance policy would
  cover

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Solution key concepts must be broken down into
simple English and given with examples

• Sample concepts to be presented
• How does a Partnership plan work?
• Pool of Money
• How long does it last?

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Partnership Policies The Key Concept

• When individuals buy a Partnership policy, they
  are buying a pool of money - the insurance
  companys money - to pay for their long-term care
  costs.
• Individuals use the pool of money to shift
  financial risk to insurance company.
• What is a pool of money?
• Examples of a pool of money you may currently
  have
• auto/car insurance
• home insurance
• life insurance

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Partnership Policies How do they work?
Daily Benefit for Nursing Home 200
Daily Benefit for Assisted Living Facility 100
146,000.00
Daily Benefit for Home or Community Based 100
Pool of Money is also called Lifetime Maximum
Benefit
You choose where you want to receive the
care. You also select a time deductible-
usually in the amount of days 0, 60 or 90 days.
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Partnership Policies How long does it pay for
care?

• There are no set time limits on how long your LTC
  Partnership plan will pay for care it will pay
  for care until you use up the entire pool of
  money.
• If you take out 200 per day for care in Nursing
  Home this pool of money will pay for _____ days
  of care.
• If we take out 100 per day for Home Care or
  Assisted Living Facility how long will this pool
  of money pay for care?

146,000.00 pool of money or lifetime
maximum benefit
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Solution leverage the resources that currently
exist in communities from private and public
sector.

• WHY?
• Why would people help you promote Partnership?

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Solution leverage the resources that currently
exist in communities from private and public
sector.

• They have a personal passion about Long Term Care
• and/or
• It coincides with their business goals

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Solution leverage the resources that currently
exist in communities from private and public
sector.

• WHO and HOW?
• Associations- Medical, Banking, Industry
• Insurance agents
• SNFs and ALFs and HHC
• Churches- denomination HQs
• Chambers of Commerce
• Government officials- Mayors, City and County
  Councils, Board of Ed
• Letter, Visit, email, phone call, follow up

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Solution leverage the resources that currently
exist in communities from private and public
sector.

• WHAT?
• Asked for their endorsement help in driving
  their members to meetings-
• Insurance agents bring clients to sessions in
  Huron, SD Rapid City SD and Hot Springs, SD-
  used materials in mailings
• Offered special sessions for them
• Used their facilities
• Email blasts
• Newsletters
• Funding
• City mailings (utility bills have newsletters)

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• Solution education outreach most effective when
  scheduled to local needs and repeated with at
  least two week period between presenting days.

• 3 to 5 sessions a day and each session is 60
  minutes. Offer 1 on 1 sessions just before and
  after each session. Class worksheet pen
  provided
• Times 7am or 9am, noon, 3pm, 6 or 7pm
• Attendees generate more attendees some people
  need to see a session before they will offer
  support
• Announce date of next local session and date of
  free phone conference calls

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Long Term Solutions going forward after initial
outreach

• Key thing a state Partnership office can offer is
  leadership.
• Commit to keep education effort going with
  sessions at least 2 or 3 times a year
• Enlist private sector support leverage their
  marketing and advertising
• Create network of LTC providers and LTCI agents-
  e.g. Womens LTC Project
• Train the trainers- use local network members to
  give approved presentation using approved
  materials