dr. chernof? >> thank you, chairman kohl, ranking member corker for the opportunity to testify at this critical hearing today. my name is dr. bruce chernof, and i serve adds the president and ceo of the scan foundation, an independent nonprofit foundation dedicated to promoting a steady continuum of quality care for all seniors. where seniors receive integrated medical care in a setting most appropriate to their needs and with the greatest likelihood of contributing to a healthy and independent life. americans today are living longer than in previous generations, often with chronic conditions and functional impairments at older ages, which increases the number of people who will need long-term services and supports. most americans are not aware of the high likelihood of needing long-term services and supports at some point in their lives, and have few tools to plan for this reality. the cost of this care is substantial, impacting both family financial resources and the ability for family caregivers to engage in the labor market. when individuals and families have exhausted their personal resources and can no longer shoulder these

dr. chernof. >> thank you. my name is dr. bruce chernof. i served on an organization that envisions a society where seniors receive integrated medical care and support services that are most appropriate for their needs and have the greatest likelihood to retreat to a healthy and independent life. americans are living longer with the previous conditions -- generations. most of versus the best month americans are not -- most americans have few tools to plan for the reality of needing long- term care. we need to track family availability of resources. when they have exhausted their personal resources and can no longer shoulder these costs on their own, they have to depend on medicaid for help. those who qualify for medicaid long-term services and support, need assistance for the rest of their lives. medical students fundamental to the current finances and delivery of long-term services. the longest -- it is the backdrop for all vulnerable older americans who needed this kind of care. mccain has evolved over the years from paying for nursing ho

dr. bruce chernof with us, the president and ceo of a foundation based in long beach california. organization dedicated both to research and dissemination of knowledge that improves the health of older adults. dr. chernof also serves as director and chief medical officer for the los angeles county department of health services. we thank you for being here and before we go to your testimony, we will hear from the distinguished ranking member of this committee, senator corcoran. >> mr. chairman thank you. i know you have a conflict at 2:10. i came at the perfect time. i look forward to listening to our witnesses as thank you so much. much. i appreciate it. >> mr. o'brien. >> chairman kohl, ranking member corker and members of the committee thank you for the opportunity to testify today on the long-term care insurance. the office of personnel management oversees numerous benefit programs including long-term cheap care insurance for federal employees and family members. long-term care is provided to people who need help with activities of daily living or need supervision due to severe

dr. bruce chernoff with us today, the president and ceo of the scan foundation. an organization that's dedicated to research and dissemination knowledge that improves the health of older older adults. dr. chernof also served as director and chief medical officer for the los angeles county department of health services. we thank you all for being here. and before we go to your testimony, we'll hear from the distinguished ranking member of this committee, senator corker. >> mr. chairman, thank you. and i had a conflict. i came at the perfect time. i don't give opening comments much. i thank you for calling the hearing and i look forward to hearing the witnesses. so thank you so much. i appriate it. >> thank you. all right. mr. o'brien? >> chairman, ranking member corker, members of the committee. thank you for the opportunity to testify today on long-term care insurance. the office of personnel management oversees numerous benefit programs, including long-term care insurance for federal employees, annuityans and family members. long-term care is provided to people who need help with activities of daily living or need supervision due to severe cognitive impairment. it can be provided at home, an