{"id":3035,"date":"2015-01-01T17:19:45","date_gmt":"2015-01-01T17:19:45","guid":{"rendered":"https:\/\/kardiadesign.com\/?p=3035"},"modified":"2025-11-24T18:49:02","modified_gmt":"2025-11-24T18:49:02","slug":"urban-institute-2015-microsimulation-analysis-of-financing-options-for-long-term-services-and-supports","status":"publish","type":"post","link":"https:\/\/exploreltssinitiatives.org\/staging\/4085\/urban-institute-2015-microsimulation-analysis-of-financing-options-for-long-term-services-and-supports","title":{"rendered":"Urban Institute: Microsimulation Analysis of Financing Options for Long-Term Services and Supports"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3035\" class=\"elementor elementor-3035\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73dbc18c e-flex e-con-boxed e-con e-parent\" data-id=\"73dbc18c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-57f2b6c e-con-full e-flex e-con e-child\" data-id=\"57f2b6c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5596a97b elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"5596a97b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Urban Institute: Microsimulation Analysis of Financing Options for Long-Term Services and Supports<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c4bab9b e-flex e-con-boxed e-con e-parent\" data-id=\"5c4bab9b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-28f88b48 e-con-full e-flex e-con e-child\" data-id=\"28f88b48\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-753a0416 e-con-full e-flex e-con e-child\" data-id=\"753a0416\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51378c3 elementor-widget elementor-widget-heading\" data-id=\"51378c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Overview<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65bd5c88 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"65bd5c88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3caaac8d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3caaac8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Type of Reform: <\/strong>Creating a New Program<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14930413 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"14930413\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Description:<\/strong> To assess alternative LTSS financing options and better understand how policy changes could expand the role of insurance. Compares outcomes under various program designs:<\/p><ul><li>A front-end public insurance benefit covering up to two-years of care.<\/li><li>A catastrophic-only (back-end) program with a two-year waiting period.<\/li><li>A comprehensive insurance program.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-168bc89 elementor-widget elementor-widget-spacer\" data-id=\"168bc89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ef31722 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4ef31722\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22c9cb4d elementor-widget elementor-widget-n-accordion\" data-id=\"22c9cb4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5830\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-5830\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Sponsoring Organization and Key Author(s):\u200b <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5830\" class=\"elementor-element elementor-element-e54f105 e-con-full e-flex e-con e-child\" data-id=\"e54f105\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e02034a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5e02034a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Sponsoring Organization:<\/strong> Nonprofit policy research organization. The Urban Institute conducts research and offers evidence-based policy solutions.<\/p><p><strong>Key Author:<\/strong> Melissa M. Favreault, Howard Gleckman, and Richard W. Johnson.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5831\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5831\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Impact and Action: <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5831\" class=\"elementor-element elementor-element-54342141 e-con-full e-flex e-con e-child\" data-id=\"54342141\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11a59da5 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"11a59da5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>This was an important technical development that allowed several ideas (including ones explored in the Convergence collaborative and other proposals) to be assessed more rigorously and comprehensively than was possible before. The study has helped advance efforts to design workable and combinable LTSS proposals, including on Capitol Hill.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ff4e26f e-con-full e-flex e-con e-child\" data-id=\"2ff4e26f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65bae34a elementor-widget elementor-widget-heading\" data-id=\"65bae34a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Program Details<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-799ca1c7 e-con-full e-flex e-con e-child\" data-id=\"799ca1c7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3ba76802 e-con-full e-flex e-con e-child\" data-id=\"3ba76802\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2564ef4e e-grid e-con-full e-con e-child\" data-id=\"2564ef4e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7eee3361 elementor-widget elementor-widget-n-accordion\" data-id=\"7eee3361\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2120\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-2120\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Participation Criteria <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2120\" class=\"elementor-element elementor-element-669cacd9 e-con-full e-flex e-con e-child\" data-id=\"669cacd9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60dd06cf elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"60dd06cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Report modeled both universal\/mandatory and voluntary approaches.<\/li><li>Adults younger than age 70 eligible to enroll in the new program (no individuals eligible<br \/>for benefits until age 65).<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2121\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2121\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Conditions for Receiving Benefits Scope of Services\u00a0 <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2121\" class=\"elementor-element elementor-element-673cc060 e-con-full e-flex e-con e-child\" data-id=\"673cc060\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69efe1ab elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"69efe1ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Individuals ages 65+ who:<\/p><p>Meet one of the following support needs:<\/p><ul><li>Need support with two or more ADLs.<\/li><li>Have a severe cognitive impairment expected to last at least 90 days.<\/li><\/ul><p>Meet one of the following employment requirements:<\/p><ul><li>Mandatory Approach: 40 quarters of employment covered by Social Security.<\/li><li>Voluntary Approach: Premiums paid into the program for five years.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2122\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2122\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Scope of Services <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2122\" class=\"elementor-element elementor-element-66d3b0a3 e-con-full e-flex e-con e-child\" data-id=\"66d3b0a3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d5ccdaa elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4d5ccdaa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>LTSS in both the community and facilities, transportation, home modifications, family caregivers, etc.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2123\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2123\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Amount of Services <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2123\" class=\"elementor-element elementor-element-1ee0f33 e-con-full e-flex e-con e-child\" data-id=\"1ee0f33\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24c9819 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"24c9819\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Daily cash benefit of $100 (in 2015 dollars).<\/li><li>Benefit limits based on the definitions of front-end and catastrophic protection periods.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2124\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2124\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Participant Financial Responsibility <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2124\" class=\"elementor-element elementor-element-39fec83 e-con-full e-flex e-con e-child\" data-id=\"39fec83\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c10bcd4 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7c10bcd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Costs above $100\/day would fall on the individual.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2125\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2125\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Elimination Period <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2125\" class=\"elementor-element elementor-element-2fd747b e-con-full e-flex e-con e-child\" data-id=\"2fd747b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cd836c3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7cd836c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>90-day elimination period for the front-end and comprehensive program.<\/li><li>Two-year waiting period for the back-end program.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2126\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2126\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Provider Requirements <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2126\" class=\"elementor-element elementor-element-8997d83 e-con-full e-flex e-con e-child\" data-id=\"8997d83\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2aac1151 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2aac1151\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Not specified.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2127\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2127\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Provider Payment Levels\u00a0 <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2127\" class=\"elementor-element elementor-element-58f547de e-con-full e-flex e-con e-child\" data-id=\"58f547de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d32a4b5 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5d32a4b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Not specified.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2128\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2128\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Inflation Adjustments\u00a0 <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2128\" class=\"elementor-element elementor-element-249e74d7 e-con-full e-flex e-con e-child\" data-id=\"249e74d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4767a9b6 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4767a9b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>3% inflationary adjustment per year.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3efed534 e-con-full e-flex e-con e-child\" data-id=\"3efed534\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a344a0a elementor-widget elementor-widget-heading\" data-id=\"3a344a0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financing &amp; Implementation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-13fc8f78 e-con-full e-flex e-con e-child\" data-id=\"13fc8f78\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3f205a7a e-con-full e-flex e-con e-child\" data-id=\"3f205a7a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51ffb88e elementor-widget elementor-widget-n-accordion\" data-id=\"51ffb88e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1370\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1370\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Revenue Source(s) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1370\" class=\"elementor-element elementor-element-4acf4e25 e-con-full e-flex e-con e-child\" data-id=\"4acf4e25\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-479ac538 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"479ac538\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Varies by program type, as following:<\/p><ul><li><strong>Mandatory Program:<\/strong> Payroll tax on employees, subject to a wage cap.<\/li><li><strong>Voluntary Program:<\/strong> Individual premiums. Subsidies available to low-income individuals financed by general revenues (incomes under 200% of poverty).<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1371\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1371\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Total Program Costs <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1371\" class=\"elementor-element elementor-element-7e3d4930 e-con-full e-flex e-con e-child\" data-id=\"7e3d4930\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b8d516c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2b8d516c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Varies by program type; costs to individual are as follows:<\/p><ul><li><strong>Mandatory Program:<\/strong> Individual costs estimated at 0.6% of earnings for the front-end program; 0.75% for the back-end program; and 1.35% for the comprehensive program.<\/li><li><strong>Voluntary Program:<\/strong> Premiums depend on age and assumptions about participation rates. At age 45, for example, 2016 annual premiums range from $1,200 for the frontend program, $1,900 for the back-end program, and $2,400 for the comprehensive program. These would be roughly 3 times higher at age 65.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1372\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1372\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Program Administration <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1372\" class=\"elementor-element elementor-element-2fd183b2 e-con-full e-flex e-con e-child\" data-id=\"2fd183b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5622bad6 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5622bad6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Not specified.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1373\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1373\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Private Sector Role <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1373\" class=\"elementor-element elementor-element-121ac1ca e-con-full e-flex e-con e-child\" data-id=\"121ac1ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40813a5f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"40813a5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Not addressed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-513f1a18 e-con-full e-flex e-con e-child\" data-id=\"513f1a18\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2eacb987 e-con-full e-flex e-con e-child\" data-id=\"2eacb987\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2c843c56 e-con-full e-flex e-con e-child\" data-id=\"2c843c56\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3cbeb702 elementor-widget elementor-widget-heading\" data-id=\"3cbeb702\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Urban Institute, 2015: Microsimulation Analysis of Financing Options for Long-Term Services and\nSupports<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ed619dc elementor-align-left elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"2ed619dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.thescanfoundation.org\/sites\/default\/files\/urban_institute_microsimulation_analysis_of_ltss_nov._2015.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See the original source<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5c7033 elementor-widget elementor-widget-global elementor-global-4883 elementor-widget-text-editor\" data-id=\"c5c7033\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Category:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abef9e6 elementor-widget__width-initial elementor-widget elementor-widget-global elementor-global-4886 elementor-widget-post-info\" data-id=\"abef9e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-351a37c elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-tags\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.941 225.941L286.059 14.059A48 48 0 0 0 252.118 0H48C21.49 0 0 21.49 0 48v204.118a48 48 0 0 0 14.059 33.941l211.882 211.882c18.744 18.745 49.136 18.746 67.882 0l204.118-204.118c18.745-18.745 18.745-49.137 0-67.882zM112 160c-26.51 0-48-21.49-48-48s21.49-48 48-48 48 21.49 48 48-21.49 48-48 48zm513.941 133.823L421.823 497.941c-18.745 18.745-49.137 18.745-67.882 0l-.36-.36L527.64 323.522c16.999-16.999 26.36-39.6 26.36-63.64s-9.362-46.641-26.36-63.64L331.397 0h48.721a48 48 0 0 1 33.941 14.059l211.882 211.882c18.745 18.745 18.745 49.137 0 67.882z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<a href=\"https:\/\/exploreltssinitiatives.org\/staging\/4085\/category\/commission-reports-and-research-papers\" class=\"elementor-post-info__terms-list-item\">Commission Reports and Research Papers<\/a>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-166f042a elementor-widget elementor-widget-spacer\" data-id=\"166f042a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e9b2fb3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" 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c0.868-2.362,1.676-4.694,2.453-7.088c1.584-4.006-5.024-7.205-7.028-2.211C446.659,228.339,445.911,230.582,445.072,232.854z     M432.516,258.568c-2.511,4.185,3.827,7.922,6.278,3.797c1.316-2.152,2.543-4.276,3.768-6.488    c2.422-4.007-3.917-7.744-6.428-3.498C434.907,254.443,433.772,256.504,432.516,258.568z M415.233,281.382    c-1.136,1.136-1.285,3.288-0.299,4.574c1.466,1.973,3.977,2.124,5.712,0.388l4.963-5.62c2.841-3.798-2.034-8.343-5.65-4.724    C418.404,277.822,416.85,279.618,415.233,281.382z M393.887,300.487c-3.918,2.931,0.537,8.76,4.363,5.889    c2.034-1.493,4.007-2.988,5.951-4.574c2.841-2.151,0.986-7.265-3.169-6.428c-0.539,0.119-1.017,0.39-1.466,0.718    C397.684,297.617,395.829,299.052,393.887,300.487z M369.277,315.107c-0.626,0.27-1.465,1.076-1.703,1.704    c-1.525,3.021,1.465,6.309,4.875,4.935c2.24-1.048,4.513-2.184,6.726-3.35c4.515-2.721,0.3-8.76-3.497-6.487    C373.613,313.045,371.432,314.121,369.277,315.107z M342.309,324.705c-4.813,0.957-2.63,8.611,1.796,7.117    c2.392-0.539,4.872-1.287,7.265-2.004c5.232-2.064,1.645-8.521-2.123-7.026C346.973,323.48,344.611,324.168,342.309,324.705z     M313.994,328.892c-4.484,0-4.783,7.324,0.391,7.324c2.271,0,5.2-0.298,7.502-0.537c5.623-1.137,3.142-8.104-0.747-7.326    C318.929,328.562,316.207,328.892,313.994,328.892z M285.411,327.605c-4.455-0.896-6.069,6.43-1.107,7.266    c2.513,0.299,4.994,0.658,7.535,0.867c5.682,0,4.694-7.296,0.658-7.296L285.411,327.605z M257.604,320.818    c-4.334-1.734-6.966,5.113-2.72,6.816c2.332,0.927,5.054,1.704,7.445,2.422c3.677,1.465,6.937-4.244,2.601-6.848    C262.747,322.402,259.847,321.476,257.604,320.818z M159.296,166.747c0.389-1.853-1.316-3.647-2.901-3.946    c-2.451-0.42-3.976,1.076-4.396,3.199c-0.239,2.451-0.478,5.083-0.537,7.535c0,2.689,1.913,3.887,3.768,3.797    c-2.451,0.477-4.994,1.046-7.654,1.764c-21.527,5.771-40.874,19.764-52.862,40.573c-12.02,20.81-14.471,44.55-8.702,66.079    c4.276,15.934,13.036,30.646,25.714,42.098l0,0l0.12,0.09l0.119,0.119l0.089,0.09l0.12,0.089l0.03,0.06l0.062,0.029l0.119,0.09    l0.089,0.09l0.12,0.121l0.119,0.09l0.089,0.089c1.915,1.675,3.977,3.288,6.07,4.813c21.318,15.487,48.138,20.451,73.792,13.693    c21.527-5.771,40.842-19.733,52.862-40.543c11.301-19.555,14.59-42.816,9.028-64.882l-0.03-0.089l-0.03-0.09l-0.06-0.238v-0.03    v-0.03l-0.208-0.747c-2.213-8.282-5.65-16.267-10.255-23.591l-0.21-0.33l-0.03-0.09c-7.294-11.57-17.43-21.557-30.078-28.852    c-1.943-1.137-3.917-2.183-5.891-3.141h-0.03c-19.046-7.146-32.679-10.823-51.367-7.533c1.346-0.42,2.421-1.555,2.421-3.23    L159.296,166.747z M164.827,138.672c1.644-4.096-5.142-6.877-6.907-2.452c-0.837,2.362-1.495,5.144-2.123,7.565    c-1.016,5.172,6.28,6.1,7.147,1.793C163.602,143.336,164.229,140.914,164.827,138.672z M175.741,97.502    c-2.632,4.393,3.827,7.893,6.189,3.976c1.314-2.004,2.63-4.008,4.036-5.95c2.841-3.797-3.169-8.014-6.01-4.246    C178.491,93.314,177.115,95.408,175.741,97.502z M222.832,184.896c7.175,4.783,13.456,10.434,18.867,16.715l-0.24-3.08    c-0.328-4.516-0.537-9.061-0.597-13.635H222.832z\" style=\"fill-rule:evenodd;clip-rule:evenodd;\"><\/path><\/g><\/g><g id=\"Layer_1\"><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-953c9e9 elementor-widget elementor-widget-heading\" data-id=\"953c9e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Search Proposals<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c5c010 elementor-widget elementor-widget-text-editor\" data-id=\"2c5c010\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Explore proposals by design component<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16cd90a4 elementor-align-left elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"16cd90a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/exploreltssinitiatives.org\/explore-proposals\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-34ba115c e-con-full e-flex e-con e-child\" data-id=\"34ba115c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27eaff6 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"27eaff6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" viewBox=\"0 0 64 64\"><defs><style>      .st0 {        fill: #fff;      }    <\/style><\/defs><g id=\"outline_color\"><path class=\"st0\" d=\"M44,60h-9c-2.8,0-5-2.2-5-5s2.2-5,5-5h6c.6,0,1,.4,1,1s-.4,1-1,1h-6c-1.7,0-3,1.3-3,3s1.3,3,3,3h9c1.7,0,3-1.3,3-3h0c0-.3,0-.5,0-.8-.2-.5,0-1.1.6-1.3s1.1,0,1.3.6c0,0,0,.1,0,.2.1.4.2.8.2,1.2,0,2.8-2.2,5-5,5Z\"><\/path><path class=\"st0\" d=\"M55,60h-6c-.6,0-1-.4-1-1s.4-1,1-1h6c1.7,0,3-1.3,3-3s-1.3-3-3-3h-9c-1.7,0-3,1.3-3,3,0,.3,0,.5,0,.8.2.5,0,1.1-.6,1.3s-1.1,0-1.3-.6c0,0,0-.1,0-.2-.1-.4-.2-.8-.2-1.2,0-2.8,2.2-5,5-5h9c2.8,0,5,2.2,5,5s-2.2,5-5,5Z\"><\/path><path class=\"st0\" d=\"M27.2,54.2c-.3,0-.7-.2-.9-.5-2.2-2.8-3.4-6.2-3.3-9.8,0-.1,0-.2,0-.4.1-8.6,7.1-15.5,15.7-15.6.2,0,.4,0,.7,0,8.6.1,15.5,7.1,15.6,15.7,0,0,0,.2,0,.3,0,1.1-.1,2.1-.3,3.2-.1.6-.6.9-1.2.8s-.9-.6-.8-1.2c.2-.9.3-1.9.3-2.8v-.2c0-7.6-6.2-13.7-13.8-13.8h-.4c-7.6,0-13.7,6.2-13.9,13.8v.2c0,3.1,1,6.2,3,8.6.3.4.3,1.1-.1,1.4-.2.1-.4.2-.6.2h0Z\"><\/path><path class=\"st0\" d=\"M32.2,48.5c-.6,0-1-.4-1-1-.1-1.2-.2-2.3-.2-3.5,0-2.2.2-4.4.7-6.6,1.2-5.6,3.9-9.2,7-9.4.2,0,.5,0,.7,0,3.1.2,5.7,3.9,7,9.4.4,2.2.6,4.4.6,6.6,0,1,0,2.1-.1,3.1,0,.6-.5,1-1.1.9s-1-.5-.9-1.1c.1-.9.1-1.9.1-2.9,0-2.1-.2-4.1-.6-6.1-1-4.5-3.1-7.7-5.2-7.9h-.3c-2.1.2-4.2,3.3-5.2,7.9-.4,2-.7,4.1-.6,6.1,0,1.1,0,2.3.2,3.4,0,0,0,0,0,.1,0,.6-.4,1-1,1h0Z\"><\/path><path class=\"st0\" d=\"M29.4,50.3c-.1,0-.2,0-.4,0-3.8-1.5-6-3.8-6-6.3,0-.1,0-.2,0-.4.2-3.1,3.9-5.7,9.4-7,4.3-.9,8.8-.9,13.1,0,5.6,1.2,9.2,3.9,9.4,7v.3c0,1.4-.7,2.8-1.7,3.7-.4.4-1.1.3-1.4-.1-.3-.4-.3-.9,0-1.3.7-.6,1.1-1.4,1.2-2.3v-.2c-.2-2.1-3.3-4.2-7.9-5.2-2-.4-4.1-.7-6.1-.6-2.1,0-4.1.2-6.1.6-4.5,1-7.7,3.1-7.9,5.2,0,0,0,.1,0,.2,0,1.6,1.8,3.3,4.7,4.4.5.2.8.8.6,1.3-.1.4-.5.6-.9.6Z\"><\/path><path class=\"st0\" d=\"M21.8,55.1c-2,0-3.8-1.2-4.6-3L4.6,23.8c-1.1-2.5,0-5.5,2.5-6.6l20.2-9c.5-.1,1.1.2,1.2.8,0,.4,0,.8-.4,1L7.9,19c-1.5.7-2.2,2.4-1.5,4,0,0,0,0,0,0l12.6,28.3c.6,1.4,2.1,2.1,3.6,1.7.5-.2,1.1,0,1.3.6.2.5,0,1.1-.6,1.3,0,0-.1,0-.2,0-.4.1-.9.2-1.3.2Z\"><\/path><path class=\"st0\" d=\"M16.7,22.7c-.4,0-.8-.2-.9-.6-.2-.5,0-1.1.5-1.3,0,0,0,0,0,0l8.2-3.7c.5-.2,1.1,0,1.3.5.2.5,0,1.1-.5,1.3h0l-8.2,3.7c-.1,0-.3,0-.4,0Z\"><\/path><path class=\"st0\" d=\"M16.4,29.4c-.6,0-1-.4-1-1,0-.4.2-.8.6-.9l6.8-3c.5-.2,1.1,0,1.3.6.2.5,0,1-.5,1.2l-6.8,3c-.1,0-.2,0-.4,0Z\"><\/path><path class=\"st0\" d=\"M18.9,34.8c-.6,0-1-.5-1-1,0-.4.2-.7.6-.9l2.3-1c.5-.2,1.1,0,1.3.6.2.5,0,1-.5,1.2l-2.3,1c-.1,0-.3,0-.4,0Z\"><\/path><path class=\"st0\" d=\"M20.2,42c-.4,0-.7-.2-.9-.5-.7-1.2-.9-2.6-.5-3.9L27,7.7c.7-2.7,3.5-4.2,6.1-3.5h0s23.2,6.3,23.2,6.3c1.3.3,2.4,1.2,3,2.3.7,1.2.8,2.5.5,3.8l-4.5,16.5c-.2.5-.7.8-1.2.7-.5-.2-.8-.7-.7-1.2l4.5-16.5c.2-.8.1-1.6-.3-2.3-.4-.7-1-1.2-1.8-1.4l-23.1-6.4c-1.6-.4-3.2.5-3.7,2.1l-8.2,29.9c-.2.8,0,1.6.3,2.3.3.5.1,1.1-.3,1.4,0,0,0,0,0,0-.2.1-.3.2-.5.2Z\"><\/path><path class=\"st0\" d=\"M47.5,17.4c0,0-.2,0-.3,0l-8.7-2.4c-.5-.1-.8-.7-.7-1.2,0,0,0,0,0,0,.1-.5.6-.9,1.2-.8,0,0,0,0,0,0l8.7,2.4c.6,0,.9.6.9,1.1,0,.6-.6.9-1.1.9h0Z\"><\/path><path class=\"st0\" d=\"M48.8,23.9c0,0-.2,0-.3,0l-14.5-3.9c-.6-.2-.9-.7-.7-1.3.2-.6.7-.9,1.3-.7l14.4,4c.6,0,.9.6.9,1.1,0,.6-.6.9-1.1.9h0Z\"><\/path><path class=\"st0\" d=\"M35.1,26.4c0,0-.2,0-.3,0l-2.3-.6c-.5-.2-.9-.7-.7-1.2s.7-.9,1.2-.7h0l2.3.6c.5.1.8.7.7,1.2-.1.4-.5.8-1,.7Z\"><\/path><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6591ed95 elementor-widget elementor-widget-heading\" data-id=\"6591ed95\" 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insurance.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"nf_dc_page":"","footnotes":""},"categories":[28],"tags":[80,90,12,81,87,77,14,26,27,22,82,61],"proposal-type":[],"class_list":["post-3035","post","type-post","status-publish","format-standard","hentry","category-commission-reports-and-research-papers","tag-back-end-catastrophic","tag-catastrophic","tag-comprehensive","tag-comprehensive-coverage","tag-dedicated-earmarked-source","tag-front-end","tag-mandatory-universal","tag-new-program-separate-admin","tag-not-specified-other","tag-older-adults-65","tag-other-financing","tag-voluntary"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Urban Institute: Microsimulation Analysis of Financing Options for Long-Term Services and Supports - Explore LTSS 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