Should nursing homes be abolished as coronavirus exposes their fatal flaws? | Pro/Con - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Newswires
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Meet our Editorial Staff
    • Advertise
    • Contact
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Newswires
Newswires RSS Get our newsletter
Order Prints
August 26, 2020 Newswires
Share
Share
Post
Email

Should nursing homes be abolished as coronavirus exposes their fatal flaws? | Pro/Con

Philly.com

America has an “elder care crisis,” per some observers--who made that declaration even before the coronavirus hit. Now, nursing homes and long-term care centers have accounted for more than 65,000 coronavirus deaths nationwide. Some argue that the pandemic has exposed a fundamentally broken system, leading journalist Sara Luterman to argue that nursing homes should be abolished. But other elder care advocates say the U.S. has an opportunity to radically reform, rather than replace, these homes for the better.

The Inquirer asked Luterman to debate researchers at the University of Pennsylvania’s Leonard Davis Institute of Health Economics: Is it time to get rid of nursing homes?

LIVE UPDATES

FULL COVERAGE

VIRUS TRACKER

Yes: Let’s make supported at-home care the norm.

Pennsylvania’s nursing homes, like nursing homes across the country, have been ravaged by the pandemic. Over two-thirds of the state’s COVID-19 deaths have occurred in nursing homes, according to the Department of Health. This is higher than the national average, which hovers around 40%.

Nursing homes have always been a petri dish for communicable disease: crowding together medically fragile people, sometimes more than one to a room, is inherently dangerous. Even before COVID, opportunistic infections like pneumonia, flu, and C. difficile bacteria were more likely to spread among nursing home residents. And the worst part? Nursing homes aren’t even a necessary evil. If we fully invested in home and community-based services, we could live without them.

According to AARP, three out of four seniors would rather stay in their own homes than move to nursing homes. Why isn’t our care delivery system shaped around that preference? It’s not a matter of cost -- in Pennsylvania, the average nursing home resident costs the state $65,000, while the average home care recipient costs less. Instead, it’s an issue of federal legislation mandating unlimited payment for nursing homes but not doing the same for home care. Medicare and Medicaid pay for the majority of long-term care in America--but Medicaid does not prioritize dignity. If Medicaid changes, the industry will change, and private insurance will change with it.

Some people need a substantial amount of care to survive, let alone thrive: specialized equipment, monitoring, and assistance with everyday tasks like eating and bathing. But all of those things can and are already delivered at home. Pennsylvania has a Medicaid aging waiver, which allows for care at home. According to the Pennsylvania Department of Human Services, the aging waiver is supposed to provide for accessibility adaptations, participant directed community supports, nursing services, and more. Family members can even be compensated for delivering care.

However, like all Medicaid waiver programs, demand is higher than what resources are made available by the state. In many states, waiting lists for Medicaid Home and Community-Based services are years long, while nursing home care is available immediately, by law. Pennsylvania’s aging waiver, on the other hand, has a massive backlog. It is not possible to apply for the waiver in advance -- to qualify in the first place, a person needs to require a high level of care. Medically fragile seniors do not generally have years to wait. People can’t put their illnesses and disabilities on hold while the paperwork goes through.

If we committed the same resources to home care that we commit to nursing homes, thousands of Americans would lead safer, more empowered lives. Pennsylvania has a Money Follows the Person grant, which allows the state to do just that. Since 2008, the program has transitioned over 4,000 seniors and people with disabilities from nursing homes and other congregate care settings into the community. Instead of funding nursing homes, the money is used to secure accessible, affordable housing and help with everyday activities.

Seniors and people with disabilities deserve to choose what to eat for dinner, who to spend time with and to live in the comfort of our own homes. Nursing homes too often strip the most basic choices away from people. Americans deserve better. And we can do better. We have the infrastructure. We have a model. We just need to reform Medicaid and commit to progress.

Sara Luterman is a freelance journalist covering disability policy and politics. Her work can be found in The Nation, Vox, and The Washington Post, among other outlets.

No: It’s time to fix nursing homes, not burn them down.

While nursing home residents are only 1% of the population, they represent over 41% of COVID-related deaths nationwide. With over 402,000 nursing home residents and staff infected since March, abolishing nursing homes may seem like a sensible choice. But it is not. A better policy solution is taking long-term care needs seriously and funding them accordingly.

Long-term care has been marginalized in the United States for decades. This continues during the pandemic, with 1 in 5 nursing homes reporting personal protective equipment and staffing shortages. Nursing homes are highly regulated but undermonitored and underfunded. Unsurprisingly, they crumbled under the weight of COVID-19.

Some believe that nursing homes can’t be fixed and should be fully replaced with home-based care--a shift that began decades ago when a Supreme Court decision required Medicaid to prioritize home and community-based settings as appropriate. But despite their vulnerabilities, we believe nursing homes are integral to any sensible, stable long-term care system.

Few people want to end up in a nursing home. A recent AARP survey reported that three out of four people over age 50 want to age at home. But for many, nursing homes are their only option--whether because of medical or psychiatric conditions, lack of family or friends to care for them, or unstable housing.

Pa. leaders should heed new report’s warnings on COVID-19 nursing home disaster | EditorialFor these people, nursing homes provide housing, essential medical services such as prescription drug dispensing, assistance with bathing, eating, and dressing, and food including specialized diets. Congregant settings require fewer staff to deliver these life-saving services. It also provides social connections at an age when isolation contributes significantly to mental and physical decline.

Even for people who could stay at home, Medicaid does not fully fund all needed care. Informal caregivers--friends and family who help without pay--usually fill in the gaps. Approximately 44 million Americans provide close to 37 billion hours of caregiving, often harming their own health and financial security. Shifting to home-based care would ask families to add 24 hour-a-day caregiving for a high-need population to already overloaded lives that can include a job, or two, or three--and during a pandemic, monitoring children who are virtually schooling at home.

Paying informal caregivers would be an improvement but is not the right option for everyone. More affordable community-based options like adult day-care could decrease isolation and help those who prefer to remain at home--though not during a pandemic.

Our challenge, then, is to rethink communal living to make it safe and affordable during normal times and crisis. We need smarter regulation, much more funding, and less institutional institutions.

Better communal living would include valuing and paying staff who do it – economically and physically, such as with personal protective equipment. Many nursing home staff earn less than $30,000 annually, and over 20% work multiple jobs. Higher wages and better sick-leave policies could decrease COVID-19 transmission, improve job satisfaction, and decrease turnover and staffing shortages.

Nursing homes also need a redesign. Single-occupancy rooms would reduce transmission and increase privacy and dignity for residents--as would shrinking the scale of nursing homes. High-quality group models, like the Green House Project, provide self-contained houses with a small number of residents.

» HELP US REPORT: Are you a health care worker, medical provider, government worker, patient, frontline worker or other expert? We want to hear from you.

Improving long-term care demands policies that take the care of aging Americans seriously without creating greater insecurity for their families. Moving care from institutions into homes will not get us there.

Rachel M. Werner is Executive Director of the Leonard Davis Institute of Health Economics and Professor of Medicine at the University of Pennsylvania, where Allison K. Hoffman is Senior Fellow at the Leonard Davis Institute and Professor of Law. Norma Coe also contributed research and editorial input to this piece.

Read more Inquirer pro/cons:

Should Pa. and other states cancel the bar exam for new law school grads?Should the U.S. privatize the Postal Service? Do you feel safe dining outdoors in Philly as the coronavirus continues?

___

(c)2020 The Philadelphia Inquirer

Visit The Philadelphia Inquirer at www.inquirer.com

Distributed by Tribune Content Agency, LLC.

Older

Category 4 hurricane? Laura gaining power in Gulf of Mexico

Newer

Morneau Shepell opens crisis line for those affected by wildfires in western United States

Advisor News

  • What’s behind private equity investment in insurance brokerages
  • Advisors get a win as NJ Senate passes independent contractor bill
  • Why federal retirement benefits are more complex than advisors realize
  • Why timing the market is still a retirement mistake and what to do instead
  • Business owners may be overlooking a key part of their financial picture
More Advisor News

Annuity News

  • Best’s Special Report: U.S. Life/Annuity Industry Sees Bottom-Line Growth Despite 18% Decline in Total Income in First-Quarter 2026
  • Globe Life Inc. (NYSE: GL) Records 52-Week High Thursday Morning
  • Fortitude Re Completes $500 Million FABN Issuance
  • Reframing retirement income for greater certainty
  • Jackson Introduces Dow Jones Industrial Average Index Option, Flexible Premiums, Six-Year Rate Guarantee in Latest Registered Index-Linked Annuity Launch
More Annuity News

Health/Employee Benefits News

  • JasonRhodesnamed to Shelbyville CityCouncil
  • Getting disability benefits got harder after the Social Security Administration changes
  • Capitol Beat: Scott's veto signatures piling up
  • Rising ACA premiums spur pivot to cheaper plans
  • California is getting ready to increase a health insurance tax. Will it affect your premium?
More Health/Employee Benefits News

Life Insurance News

  • OVER $107 MILLION IN LIFE INSURANCE BENEFITS LOCATED FOR TENNESSEANS IN 2025 THROUGH NAIC'S LIFE INSURANCE POLICY LOCATOR SERVICE
  • Maryland Heights man pleads guilty in murder-for-hire death of his mom
  • AM Best Affirms Credit Ratings of Everlake Life Group Members
  • Industry experts warn NAIC: Fix flawed IUL illustrations now
  • InsuranceAUM.com Celebrates a Historic 5th Annual Insurance Investment Executives’ Meeting in Chicago, Honoring Outstanding Industry Leaders and Spotlighting Next Event in Austin
More Life Insurance News

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

Maximize Your FIA Case Results
Learn a repeatable process to review, reposition, and present FIA opportunities with confidence.

Aim higher during Annuity Awareness Month
Raise the bar with our diverse portfolio of Ascend annuities, backed by superior financial strength

You Could Be Losing Up to 20% of Your Commissions
GreenWave helps you find, fix, and prevent commission errors.

True Independence Means Having Choices
Cambridge offers flexibility, stability, proven tools—no private equity strings attached.

Life moves fast. Your BGA should, too.
Stay ahead with Modern Life's AI-powered tech and expert support.

Looking for stronger rates, amplified growth & real results?
Sentinel's Accumulation Protector Plus℠ Annuity is for clients wanting more from retirement planning

Press Releases

  • Prosperity Life GroupSM Launches Prosperity PathWaySM Series, Bringing Greater Choice and Flexibility to Retirement Income Planning
  • Senior Market Sales® Fortifies Annuity Reach With Acquisition of Retirement Planning Firm Stratton & Company
  • RFP #T01625
  • Rockwood Programs Appoints Kerry Ladouceur as Vice President, Financial Lines
  • JP Insurance Group Launches Commercial Property & Casualty Division; Appoints Joe Webster as Managing Director
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Meet our Editorial Staff
  • Advertise
  • Contact
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2026 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.
Insurance News | InsuranceNewsNet