Biden Executive Order to Help Long-Term Care Caregivers

The President has signed an executive order that will broaden the availability of affordable, high-quality long-term care services while also providing support for care workers and family caregivers.

Recommend This Page
Biden Executive Order to Help Long-Term Care Caregivers
5 Min Read April 19th, 2023

President Biden has taken action to help caregivers providing long-term health care, both professional and family caregivers. The President signed an executive order yesterday (April 18, 2023) to expand access to affordable, high-quality care and provide support for care workers and family caregivers.

The directive includes more than 50 specific actions to enhance the well-being of family caregivers who provide uncompensated care to around 53 million Americans with disabilities, chronic illnesses, or elderly parents.

Some of the key provisions of the order include:

  • Expanding access to respite care which provides temporary relief to caregivers so they can take a break.
  • Making it easier for caregivers to access information about their loved ones' care plans and to communicate with their loved ones' doctors and nurses.
  • Providing more support for caregivers during the hospital discharge planning process.
  • Expanding access to mental health services for caregivers.
  • Investing in research on dementia care.
  • Improving the quality of home care jobs.

The order is a significant step forward in the Biden administration's efforts to support family caregivers. The order is estimated to benefit over 50 million Americans, including 30 million family caregivers. The order is also expected to save the federal government billions of dollars in health care costs.

Medicaid is the Primary Payer for Long-Term Health Care

Medicaid is the primary payer of long-term care services in the United States. Medicaid is a federally funded program that provides assistance to low-income individuals with medical expenses. This includes funding for long-term care services, such as nursing home care, in-home care, and other services for those who require help with chronic illnesses and aging problems.

Medicaid is designed for those with little or no income and assets. While Medicare, the federal health insurance program for people over 65, does not cover most long-term health care services, Medicaid will cover these services for those who qualify.

Long-Term Care Insurance will pay for this type of care, but those with low incomes generally would not purchase LTC Insurance. 

President Biden said that he said in his State of the Union address he wants to improve long-term care by strengthening staffing standards in nursing homes and increasing pay for caregivers. 

I've also instructed the Department of Health and Human Services to figure out how to get home care workers the pay they deserve with the money already allocated.

President signs executive order (White House photo)

President signs executive order (White House photo)

The President has expressed a commitment to improving the quality of long-term care jobs in the United States to ensure that Americans receive the reliable, high-quality care they deserve, regardless of whether they receive care in their homes and communities or in nursing homes. 

Improve Home Care Jobs

The President's Executive Order directs the Department of Health and Human Services (HHS) to explore the possibility of issuing several regulations and guidance documents to enhance the quality of home care jobs.

One of the proposed regulations seeks to leverage Medicaid funding to guarantee adequate home care workers to provide care to seniors and individuals with disabilities who are enrolled in Medicaid. The order also suggests building on the minimum staffing standards for nursing homes and conditioning a portion of Medicare payments on how well a nursing home retains its workers. These measures aim to ensure that Americans receive the high-quality care they deserve from competent and dependable caregivers.

In an effort to provide greater support to family caregivers, the President's Executive Order directs the Department of Health and Human Services (HHS) to consider testing a new dementia care model. The model will include support for respite care, which offers short-term help to give a primary family caregiver a break. The order also proposes making it easier for family caregivers to access Medicare beneficiary information and provide more support during hospital discharge planning.

Family caregiving can often have negative consequences on the caregiver's physical and emotional health and contribute to financial strain, especially when inadequate resources are available. Women, who make up nearly two-thirds of family caregivers, are particularly affected, with higher rates of dropping out of the workforce than men.

Vets Benefit from Order

Veterans who need long-term care will also benefit from this order. The Executive Order issued by the President directs the Department of Veterans Affairs (VA) to enhance access to home-based care for veterans who require assistance with activities of daily living, such as bathing and dressing. 

The order seeks to accomplish this by giving veterans greater autonomy in deciding who provides their care and when. To achieve this objective, the VA must explore expanding its Veteran Directed Care program to all 172 VA Medical Centers by the end of the 2024 fiscal year. This program grants veterans a budget to engage personal care assistants, including family members.

Furthermore, the VA will explore piloting a new self-directed care program in at least five new sites, providing veterans with a budget to pay for personal care assistance while minimizing administration-related difficulties associated with managing care. Additionally, the VA will consider adding 75 new interdisciplinary teams to its Home-Based Primary Care program to support 5,600 veterans in their homes. 

Praise from Policymakers

The order has been praised by caregivers, advocates, and policymakers. 

John Thoburn, president and CEO of the National Alliance for Caregiving, says this is a historic day for family caregivers.

The Biden administration has made it clear that they understand the challenges that caregivers face and are committed to providing them with the support they need.

Thoburn says the order is a welcome development, but it is just a first step. He says there is still more work to be done to ensure that family caregivers have the support they need to provide quality care to their loved ones.

The President's Budget includes $150 billion over the next decade to improve and expand Medicaid home care services. The administration has also said it is committed to working with Congress to pass legislation providing additional support to caregivers.

In a statement, AARP Executive Vice President and Chief Advocacy and Engagement Officer Nancy LeaMond said the AARP applauds the Executive Order, which recognizes the need to make family caregivers a national priority to meet the rapidly growing needs of families across America.

Family caregivers are an essential but often invisible part of almost any care team, who are often in desperate need of more support. Millions of Americans provide care to their family and friends, totaling an estimated $600 billion in unpaid labor per year. Someone turning age 65 today has almost a 70% chance of needing help in their remaining years—most of us have been caregivers, are caregivers, will be caregivers, or will need a caregiver one day.

Order Doesn’t Impact Those Paying for LTC With Savings or Insurance

This order does not affect the millions of Americans who must pay for long-term health care out-of-pocket since they don't qualify for Medicaid. Some of these people have Long-Term Care Insurance. In 2022, the top insurance companies paid over $13.25 Billion in benefits from LTC Insurance policies.

Long-Term Care Insurance pays for comprehensive benefits, including in-home care, in addition to adult day care centers, assisted living facilities, memory care, and nursing homes. Although many people are unaware of the insurance or delay looking into it until they experience health needs.

Every insurance company has its specific underwriting standards, so anyone needing care or having substantial health issues would not be eligible for coverage. 

How Does Your Health Impact Your Ability to Obtain Long-Term Care Insurance?

Most people obtain LTC Insurance in their 50s. 

As the cost of long-term health care continues to increase, the impact will be felt by American families and taxpayers. The cost of care is expected to increase rapidly nationwide.

CTC NEWS Cost of Care Calculator – Find Your Location

Recommend This Page

Editor's Note

Long-Term Care Insurance is an increasingly popular option for individuals looking to protect their savings, access quality care, and reduce the burdens on family members. With the cost of long-term care services on the rise, including home care and nursing home care, many Americans are turning to insurance policies that offer long-term care coverage.

For those with savings in their 401(k) and other retirement accounts, Long-Term Care Insurance can be a vital addition to their retirement planning. Long-term care expenses can quickly deplete savings without proper coverage, leaving individuals with little to no resources for other retirement needs. With Long-Term Care Insurance, individuals can protect their savings and have peace of mind knowing that they have a safety net in place.

In addition to protecting savings, Long-Term Care Insurance also provides access to high-quality care. Insurance policies often cover a range of long-term care services, including in-home care, allowing individuals to choose the type of care that best meets their needs. This can be especially important for individuals who want to remain in their homes as they age and require assistance with daily activities.

Long-Term Care Insurance also reduces the burdens on family members who may be responsible for providing care or arranging for professional care. Without proper coverage, family members may have to take on the financial and emotional strain of providing care for their loved ones, which can have long-lasting effects on their own well-being. With Long-Term Care Insurance, individuals can alleviate the financial burden on their family members and ensure they receive the care they need from trained professionals.

When you include Long-Term Care Insurance in your retirement planning, you will have peace of mind knowing that you have a safety net ensuring quality care and asset protection. In addition, your loved ones will have the time to be family instead of caregivers.

Most people get coverage in their 40s or 50s as part of retirement planning.

Use an LTC Insurance Specialist to Help You Shop for Coverage

A Long-Term Care (LTC) Insurance specialist can assist a consumer in several ways, including:

  1. Providing education: LTC Insurance specialists can educate consumers about the various long-term care options available, the cost of care, and the potential financial impact of not having insurance coverage.
  2. Assessing needs: Specialists can assess the consumer's individual needs and recommend the appropriate level of coverage based on their age, health status, family history, and financial situation.
  3. Comparing policies: Specialists can compare policies from different insurance companies to find the best coverage and rates that fit the consumer's budget.
  4. Navigating the application process: Specialists can help the consumer navigate the complex application process and ensure that all necessary documents are submitted correctly and on time.
  5. Providing ongoing support: Specialists can provide ongoing support to the consumer, answering questions and helping them understand the benefits of their LTC insurance policy, even after the policy is purchased.

Overall, an LTC Insurance specialist can help you make informed decisions about your long-term care planning needs and find the best coverage to protect your family and finances from the high costs of long-term health care.

Be sure the specialist has substantial experience with LTC Insurance, works with the top companies, and understands underwriting, policy design, and claims. This way, the specialist can provide you with accurate quotes along with professional recommendations. 

Find a Qualified and Experienced LTC Insurance Specialist

Outstanding Resources Available on LTC NEWS

LTC NEWS offers news, guidance, and resources to assist you in long-term health care planning. Additionally, LTC NEWS provides reviews of various Long-Term Care Insurance plans. 

Here are some of the resources that are available on LTC NEWS:

Parent's Health Declining? Do They Need Care Now?

Get quality care for your parent or parents if they require it. LTC NEWS can assist. We've put together a few comprehensive guides to help you along the way.

Find help locating quality caregivers or long-term care facilities and get recommendations for a proper care plan, whether a person has a policy. - Filing a Long-Term Care Insurance Claim.

Make sure your loved one uses their Long-Term Care Insurance if they are fortunate enough to have it. Families sometimes postpone taking advantage of the benefits thinking family members can provide care, saving the benefits for later when it is deemed "more necessary."

Delaying the use of available Long-Term Care Insurance benefits is not a good idea. The policy provides you with access to quality care when someone needs it. It also gives loved ones time to be family instead of caregivers.

These four guides can be very helpful as you try to find appropriate long-term care services for a loved one:

Today's Reverse Mortgages Can Benefit Older Families

Some people have a large portion of their savings in their homes. With the help of reverse mortgages, you can find ways to pay for quality in-home care, pay for LTC Insurance, and even assist with cash flow during retirement.

Yes, today's reverse mortgages may be the perfect way to pay for a Long-Term Care Insurance policy or even cover the cost of in-home care if you or a loved one is currently in need.

Asking an expert with your questions will help you learn more. Mike Banner, a columnist for LTC NEWS and the host of the television program "62 Who Knew," will respond to your inquiries about long-term care, reverse mortgages, aging, and health.

- Just "Ask Mike." - Reverse Mortgages | LTC News.

Be Part of LTC NEWS and Improve Your Website's Traffic and SEO

Writing an article for LTC NEWS can improve your website or blog's SEO and gain exposure and traffic at the same time by being a contributor to LTC NEWS. Getting your company's website URL on LTC NEWS can improve SEO by helping to increase your visibility online. Additionally, being on LTC NEWS can help boost your website's authority in the eyes of Google and other search engines, leading to a higher ranking in search results. 

You can promote yourself, your business, and your website or blog. It can include links to other sites, and you can share the article link once 

published on your website or social media. However, it must have editorial content exclusive to LTC NEWS and not just an advertisement.

Email your story idea or article: - LTC News Contributors | LTC News

Marketing and Advertising on LTC NEWS

LTC NEWS can help you drive traffic to your website and attract people who are interested in your products and services. Furthermore, you can also improve the SEO of your website so your site shows higher on the search engines. The goal is to get more customers that can find you when they search for your products and services.

There are various marketing options available with LTC NEWS. Traditional advertising, sponsored content articles, strategic alliances, and more are available. 

Learn more about how LTC NEWS can help market your business, drive traffic, and improve SEO - Advertise With Us | LTC News.

Sharing News with LTC NEWS 

Include LTC NEWS in your press release distribution. If your group, organization, business, political committee, etc., have news to share, send it to LTC NEWS. Email -

LTC News Trusted & Verified

Work With a Trusted Specialist

Get Accurate Long-Term Care Insurance Quotes

  • Has substantial experience in Long-Term Care Insurance
  • Strong understanding of underwriting, policy design, and claims experience
  • Represents all or most of all the leading insurance companies
man and woman sitting at desk
  • Latest

  • Oldest

  • Homecare

  • Health

  • Government

  • Care Facilities

  • Pets

  • People

  • Lifestyle

  • Insurance

No Results

Step 1 of 4

Find a Specialist

Get Started Today

Trusted & Verified Specialists

Work with a trusted Long-Term Care Insurance Specialist Today

  • Has substantial experience in Long-Term Care Insurance
  • A strong understanding of underwriting, policy design, and claims experience
  • Represents all or most of all the leading insurance companies

LTC News Trusted & Verified

Compare Insurers