Cornell PY, Grabowski DC, Cohen M, Shi X, Stevenson DG. Medical Underwriting In Long-Term Care Insurance: Market Conditions Limit Options For Higher-Risk Consumers. Health Affairs [Internet]. 2016;35 (8) :1494-1503. Publisher's VersionAbstract

A key feature of private long-term care insurance is that medical underwriters screen out would-be buyers who have health conditions that portend near-term physical or cognitive disability. We applied common underwriting criteria based on data from two long-term care insurers to a nationally representative sample of individuals in the target age range (50–71 years) for long-term care insurance. The screening criteria put upper bounds on the current proportion of Americans who could gain coverage in the individual market without changes to medical underwriting practice. Specifically, our simulations show that in the target age range, approximately 30 percent of those whose wealth meets minimum industry standards for suitability for long-term care insurance would have their application for such insurance rejected at the underwriting stage. Among the general population—without considering financial suitability—we estimated that 40 percent would have their applications rejected. The predicted rejection rates are substantially higher than the rejection rates of about 20–25 percent of applicants in the actual market. In evaluating reforms for long-term care financing and their potential to increase private insurance rates, as well as to reduce financial pressure on public safety-net programs, policy makers need to consider the role of underwriting in the market for long-term care insurance.

Grabowski DC, Stevenson DG, Cornell PY. Assisted Living Expanstion and the Market for Nursing Home Care. Health Services Research. 2012 :DOI: 10.1111/j.1475-6773.2012.01425.x. assisted_living_expansion_and_the_market_for_nursi.pdf
Hansen RA, Cornell PY, Ryan PB, Williams CE, Pearson S, Greene SB. Patterns in nursing home medication errors: disproportionality analysis as a novel method to identify quality improvement opportunities. Pharmacoepidemiology and Drug Safety. 2010;19 (10) :1087-1094. patterns_in_nursing_home_medication_errors.pdf