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CBO Testimony: The Cost and Financing of Long-Term Care Services, April 27, 2005 (PDF)
Congressional Budget Office [CBO] 
[Opinion] Apr. 28, 2005
6 pages. Excerpt: Currently, elderly people finance LTC services from various sources, including both private resources and government programs. Incentives inherent in the current financing structure have led to increased reliance on and spending by government programs and may have discouraged people from relying on private resources (savings, privateLTC insurance, and donated care) to prepare for potential future impairment.
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