Doubly enhanced medicaid partnership annuities : a new tool for providing long term

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<title>Doubly enhanced medicaid partnership annuities</title>
<subTitle>: a new tool for providing long term</subTitle>
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<namePart>Ramsay, Colin M.</namePart>
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<namePart>Oguledo, Victor I. </namePart>
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<abstract displayLabel="Summary">In this article, we propose a hybrid annuity product called a doubly enhanced Medicaid partnership annuity (DEMPAN) that combines an annuity with a long-term care rider that is integrated within the framework of a qualified partnership policy. (Outside the United States, bundled retirement products similar to DEMPANs are often called life-care annuities.) To analyze our DEMPANs, we use a multistate model of long-term care with health states that are based on a retiree's ability to perform activities of daily living (ADLs) and instrumental activities of daily living (IADLs) and cognitive ability. A significant contribution of this article is to explicitly model how the quality of long-term care a retiree receives affects the retiree's health state transition probabilities used in the multistate mode</abstract>
<note type="statement of responsibility">Colin M. Ramsay, Victor I. Oguledo</note>
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<title>North American actuarial journal</title>
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<identifier type="issn">1092-0277</identifier>
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<text>06/03/2023 Tomo 27 Número 1 - 2023 , p. 96-120</text>
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