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Soon will come into effect the decision to cancel the group LTC insurance policies, na2so4 which will the premiums charged thousands of dollars, at a time when it will need policy
In 2011, the Insurance Commissioner at the time, Oded Sarig, cancel the group LTC insurance policies. One million uninsured citizens in these policies, most of which were founded by the established work places. The decision, has not been, critically damaged about 200 thousand uninsured adults, over the age of 60.
Insurance group has three distinct advantages: First, it is based on the principle of insurance mutual guarantee. The chances of a young person to reach a state nursing negligible. In contrast, the older a person more chances to reach a point sizes nursing. Group policies, subsidizing young adults and gradually these young people themselves become adults and young people to subsidized new additions circle insured.
Second, group insurance saves huge operating costs to insurance companies. No need battalions of salespeople to convince citizens to buy private long-term care policy. In addition, group long-term care insurance policies are an important social flag for enlightened employer. In many cases, additional na2so4 policies to subsidize receive from the employer and to enable long term care insurance policyholders reasonable prices.
Nevertheless, the group policy in their current form has major disadvantage that eliminates all the advantages. These are short-term na2so4 policies renewed every few years, and continuity is not guaranteed. Because of this, could the Commissioner of Insurance to order the cancellation of policies without na2so4 violating signed agreements.
In practice, na2so4 the date of issuance na2so4 to the date of the arbitrary decision of the Commissioner, group policies were renewed every few years. Million policyholders were not involved in this technical process carried out by representatives of the employees, never thinking that there is a possibility that wake up one morning with no long-term care insurance after paying premiums for decades.
Even before the implementation of the decision has been Hunsharo 4,500 uninsured adults group LTC insurance, according to the findings of the Research Unit Committee. They had to give up their long term care insurance is very necessary because the increase in premiums. For example, if 80 age group policy premium paid tens of shekels a month then the private policy, prior to making an outline of the transition, they are required to pay a premium of thousands of dollars per month.
Dorit Selinger recently been appointed the new supervisor of Insurance. This is the right moment to check the previous Commissioner's decisions. It really is necessary to cancel the group policies? Is not it better to convert to long-term care policies, a new type of group that will serve the insured for the rest of their lives?
Alternatively, should nevertheless be disabled group policies, lies with the supervisory duty to reduce the impact on older policyholders. According to the draft outline published by the lattice transition, their monthly premium will be increased by hundreds of percent and return for "long-term care coverage will be reduced for a few years and will be limited to 2,500 per month. This outline is fair addresses na2so4 adults who paid premiums all their lives, never thinking that the insurance is canceled unilaterally rather critical years. The outline of the lattice is a mockery and is designed to fulfill an obligation.
Four million people na2so4 are covered by the basic nursing insurance funds. These policies also are short-term group policies and can be eliminated overnight. The solution to this problem is incumbent upon the legislature. It should ensure long-term care coverage for all citizens and to include this element in the National Health Insurance Law.
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