Tuesday, June 18, 2024
Hawai'i Free Press

Current Articles | Archives

Thursday, February 7, 2013
Legislators Study Mandatory Long Term Care Insurance Plan
By Selected News Articles @ 10:15 PM :: 5460 Views :: Health Care

Hawaiian panel OKs public LTC plan bill

by Allison Bell, LifeHealthPro.com

Lawmakers in Hawaii are moving ahead with a public long-term care insurance (LTCI) program study measure.

Members of the Hawaii House Consumer Protection & Commerce Committee voted 10-0 Wednesday to approve an amended version of House Bill 1.

If passed as written, H.B. 1 would require the director of the state's executive officer of aging to hire actuaries to analyze the idea of setting up a "limited, mandatory, public" LTCI program for Hawaii's workers, according to the state legislative tracking system. 

The bill would provide $380,000 in funding for the actuarial analysis.

State Rep. Gregg Takayama, D-Pearl City, introduced the bill.

Members of the state Senate voted Jan. 31 to approve an amended version of a companion bill, Senate Bill 104, by a 3-0 vote. 

State Sen. Suzanne Chun Oakland, D-Sand Island, the chairman of the Human Services Committee, introduced S.B. 104.

Chun Oakland also introduced a public LTCI program bill during the previous legislative session.


The authors of H.B. 1 state in the first section of the bill that relying on private insurers to meet long-term care insurance needs has not worked.

A Hawaii long term care commission has found that "only a minority of Americans will ever have private long term care insurance, even in an optimistic economic environment," according to the bill text. "Therefore, an alternative that matches the mandatory, universal long-term care insurance programs found in countries such as Japan and South Korea is to create a more balanced delivery system for long term care to all persons who require it, regardless of their financial need."


The ILWU Local 142 and Wes Lum, director of the state Executive Office on Aging, have submitted written testimony supporting the bill.

The ILWU local, a labor group, noted that Hawaii has considered other long-term care (LTC) financing vehicle proposals in the past. 

A proposed Family Hope program would have created an LTC fund by taxing wage earners, the ILWU said.

Lawmakers also have considered creating an LTC tax credit, and also creating a Care Plus LTC program that would have provided up to $70 in benefits per month after taxing each wage earner $10 per month, the ILWU said.

Any successful program "must be mandatory (no one can opt out), public (government-supported and managed) and limited (will not provide full coverage)," the ILWU said.

The AARP Hawaii office has estimated that about 12 percent of adult Hawaii residents now have private LTCI coverage.

When the office commissioned a survey, it found that 16 percent of state residents ages 50 and older expect to be able to use LTCI coverage to pay for LTC services.

About 21 percent are expecting to have to rely on Medicaid, AARP said.

"Among residents who said they do not have a private long-term care insurance policy, the most frequently cited reason (38 percent) was that coverage is too expensive," AARP said.

About 59 percent of the participants said they would support a mandatory, public LTC program, and only 27 percent said they were opposed to the concept, AARP said.

See also:


TEXT "follow HawaiiFreePress" to 40404

Register to Vote


Aloha Pregnancy Care Center


Antonio Gramsci Reading List

A Place for Women in Waipio

Ballotpedia Hawaii

Broken Trust

Build More Hawaiian Homes Working Group

Christian Homeschoolers of Hawaii

Cliff Slater's Second Opinion

DVids Hawaii


Fix Oahu!

Frontline: The Fixers

Genetic Literacy Project

Grassroot Institute


Hawaii Aquarium Fish Report

Hawaii Aviation Preservation Society

Hawaii Catholic TV

Hawaii Christian Coalition

Hawaii Cigar Association

Hawaii ConCon Info

Hawaii Debt Clock

Hawaii Defense Foundation

Hawaii Family Forum

Hawaii Farmers and Ranchers United

Hawaii Farmer's Daughter

Hawaii Federation of Republican Women

Hawaii History Blog

Hawaii Jihadi Trial

Hawaii Legal News

Hawaii Legal Short-Term Rental Alliance

Hawaii Matters

Hawaii Military History

Hawaii's Partnership for Appropriate & Compassionate Care

Hawaii Public Charter School Network

Hawaii Rifle Association

Hawaii Shippers Council

Hawaii Together


Hiram Fong Papers

Homeschool Legal Defense Hawaii

Honolulu Navy League

Honolulu Traffic

House Minority Blog

Imua TMT

Inouye-Kwock, NYT 1992

Inside the Nature Conservancy

Inverse Condemnation

July 4 in Hawaii

Land and Power in Hawaii

Lessons in Firearm Education

Lingle Years

Managed Care Matters -- Hawaii


Missile Defense Advocacy

MIS Veterans Hawaii

NAMI Hawaii


National Parents Org Hawaii

NFIB Hawaii News

NRA-ILA Hawaii


OHA Lies

Opt Out Today

Patients Rights Council Hawaii

Practical Policy Institute of Hawaii

Pritchett Cartoons

Pro-GMO Hawaii


Rental by Owner Awareness Assn

Research Institute for Hawaii USA

Rick Hamada Show

RJ Rummel

School Choice in Hawaii


Talking Tax

Tax Foundation of Hawaii

The Real Hanabusa

Time Out Honolulu

Trustee Akina KWO Columns


West Maui Taxpayers Association

What Natalie Thinks

Whole Life Hawaii