1. The Retirement Research Foundation, Internet, Noteworthy. p. 87
2. U.S. Census Bureau
3. Employer Benefit Research Institute, Issue Brief, July 1995, p.6
4. U.S. Census Bureau, Current Population Reports, 1994-1995
5. Watson Wyatt Worldwide, The Washington Business Group on Health, and the Healthcare Financial Management Association, 2001 Survey
6. HIAA, Guide to Long Term Care Insurance, 1999.
7. Business and Health, January 1997.
8. General Accouting Office, Testimony Before the Special Committee on Aging, U.S. Senate, March 9, 1998.
9. "Testimony to House Hearing Supports Enactment of Senior Citizens Equity Act for Long Term Care," Insurance Advocate, January 21, 1995, Vol. 106, No. 3, p. 26.
10. Samuel Kaplan, "The Case for Funding Corporate Sponsered Employee Paid Long Term Care Benefits," Compensation and Benefits Review, May/June, 1995, p. 52.
11. Janet Gemignani, "The Dollars & Sense of Covering Long Term Care," Business Health, February 1996.
12. "LTC's Huge Untapped Potential," National Underwriter, December 7, 1998.
13. Agency for Healthcare Research and Quality (November 8, 2000). Long-term Care Users Range in Age and Most Do Not Live in Nursing Homes: Research Alert. Agency for Healthcare Research and Quality, Rockville, MD.
14. "Heart and Stroke Facts: 1996 Statistical Supplement," AHA Biostatistics Consultant, American Heart Association
15. "Challenges for Long Term Care Insurance in a Rapidly Changing World," Journal of Financial Service Professionals, January, 1999.
16. Robert W. Dawson, "Long Term Care Insurance: A Product for Today," Journal of the American Society of CLU & ChFC, September 1996.
17. National Alliance for Caregiving and AARP (June, 1997). Family Caregiving in the U.S.: Findings From a National Survey, National Alliance for Caregiving, Bethesda, MD and AARP, Washington, DC.
18. Health Care Financing Administration, Office of the Actuary, National Health Statistics Group, 1999.
19. The Retirement Research Foundation, Internet, Noteworthy. p. 87
20. Stephen A. Moses, "LTC Insurance Could Play Role in Solving Medicare Woes," National Underwriter, December 7, 1998.
21. The Technology-Related Assistance for Individuals with Disabilities Act of 1988 as amended in 1994 (PL 103-218).
22. Errold F. Moody Jr, LONG TERM CARE COMMENTARY, Internet, October, 2001.
23. Errold F. Moody Jr, LONG TERM CARE COMMENTARY, Internet, October, 2001.
24. Mary Ellen Buning, MS, OTR, Internet article, "What is Assistive Technology?"
25. The U.S. Department of Census estimated there were 19,690 home health care service establishments in 1997. The Census Bureau's definition of home health includes only those firms that provide skilled nursing services, exclusively or in combination with other home health services. Health and Social Assistance: Geographic Area Series, U.S. Census Bureau, 1997 Economic Census (Oct. 8, 1999).
26. "Challenges for Long Term Care Insurance in a Rapidly Changing World," Journal of Financial Service Professionals, January, 1999.
27. Karen S. Petersen, "More Spend Time Caring for Elders," USA Today, March 18, 1997, p. 1D.
28. Ibid.
29. Karen S. Petersen, "More Spend Time Caring for Elders," USA Today, March 18, 1997, p. 1D.
30. Edited By Amy Dunkin, "YOUR PARENTS ARE AILING. NOW WHAT?" By Kerry Capell, Business Week, April 15, 1996.