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Implicit bias occurs when individuals make judgments about people based on gender, race or other prohibited factors without even realizing they’re doing it.
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Just over half (51 percent) of mostly large U.S. companies provide long-term-care (LTC) insurance as an employee benefit, according to the results of a Long-Term Care Benefits Program Pulse Survey by HighRoads, an employer health care compliance and benefits management firm. The survey report is available online, with registration required.
The February 2012 survey was fielded among benefits managers at U.S. companies, with a majority of respondents from firms with more than 10,000 employees. Among the findings:
• 96 percent of companies that offer LTC coverage said they will continue to do so.• 71 percent of companies offered coverage through a group plan; the remainder offered access to individual policies (typically employee-paid but sometimes employer-subsidized).
• 96 percent of companies that offer LTC coverage said they will continue to do so.
• 71 percent of companies offered coverage through a group plan; the remainder offered access to individual policies (typically employee-paid but sometimes employer-subsidized).
More Americans are expected to need long-term services and support to assist them in life’s daily activities as a larger proportion of the population lives into their 80s and 90s. Some studies estimate that about a third of Americans turning age 65 this year will need at least three months of nursing home care at some point in the future.
“The country has a growing number of retirees, many of whom will need some type of long-term medical care services in the future,” said HighRoads' CEO Michael Byers. Without long-term-care coverage, “millions of Americans will be left without a safety net should they become disabled.”
What Is Long-Term-Care Insurance?, SHRM Tools and Templates, November 2009
Planning for the Future: Long-Term Care as an Employee Benefit, SHRM Online Benefits Discipline, October 2008
The Need for Long-Term CareMost employees are unprepared for the enormous expenses posed by long-term care, says Peter Goldstein, EVP at Univita Health.
SHRM Online Benefits Discipline
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