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Friday, October 9, 2015

Voice: 643-ADRC (643-2372)
TTY Line: 643-0889


Welcome to the Hawaii Aging and Disability Resource Center

The Hawaii Aging and Disability Resource Center (ADRC) helps older adults, individuals with disabilites, and family caregivers find options for long term supports and services available to them in the State of Hawaii.  The ADRC is a highly visible and trusted source where people of all incomes and ages can turn for information. ADRC staff will help to determine if you are eligible for government paid programs, assist you in finding providers you may pay for yourself, and work with you to develop an individual plan for meeting your future long-term care needs.  The assistance is paid for by the State and Counties (at no cost to you).



The Feasibility of a Long-Term Services & Supports Social Insurance Program for Hawaii 
The aging of the population requires a careful consideration on the funding and delivery of long-term care.  Most people do not have private long-term care coverage; few people can afford private long-term care insurance, and private health insurance does not cover long-term care. 
Each week, the Executive Office on Aging will feature a policy note that offers recommendations for funding long-term care services and supports for Hawaii residents. 


Policy Note #3

Assessing Social Insurance to Fund Hawaii's Long-Term Services & Support Needs


Hawaii has explored a wide range of mechanisms to assist families with covering the labor and the cost involved in providing services and supports to our older adults as they become frail.  The contemporary language for this is Long Term Services and Supports (LTSS) – formerly called Long-Term Care. Since 1991, the legislature has tried providing tax credits for long-term care insurance (LTCI), expanded promotion of the private LTCI market by promoting employer/employee organization insurance packages, proposed an income-tax based social insurance, and proposed a payroll-tax based social insurance program.  Each approach has failed to demonstrate that it could reach a significant proportion of the Hawaii population, that Hawaii residents who signed up for the program would be able to continue paying for it, that it would be able to pay the benefits promised, or that it was politically acceptable.

The remaining option for Hawaii is to examine a social insurance package that will reach everyone living in Hawaii, will provide LTSS benefits (but not infinite amount of care), and will require little or no readjustment of the program costs or premiums.  This paper reviews the concept of social insurance for LTSS in Hawaii.


For questions or comments:
Lawrence H. Nitz, Ph.D.
Professor, Department of Political Science The University of Hawaii at Manoa