Doubly enhanced medicaid partnership annuities : a new tool for providing long term
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<subfield code="b">: a new tool for providing long term</subfield>
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<subfield code="a">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</subfield>
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<subfield code="g">06/03/2023 Tomo 27 Número 1 - 2023 , p. 96-120</subfield>
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