The National Association of Insurance Commissioners has come up with model legislation on long term care insurance for the states due in part to the reputation companies have of being difficult to deal with. The high cost of long term care insurance and the many hurdles consumers have to jump through make long term care insurance unpopular among seniors despite the similarly high cost of long term care. Many states, including Oregon, Kansas and Alabama are adopting new regulations to give consumers assistance with claims and appeals in part because it’s in the state’s best interest to get consumers to take on the burden of long term care costs rather than having Medicaid pay for care in a nursing home. With 70 percent of people 65 and up needing long term care at some point according to the U.S. Department of Health, and the number of people reaching 65 rising exponentially each day for the next twenty years, there’s a real cause for concern for the states’ pocketbooks. Here’s the original article at Kaiser Health News.