That gives OPM plenty of time to put notices in the Federal Register and to draft and distribute implementing instructions. They also have to find a carrier or underwriter for the insurance. Many times our attention is devoted to insurance health care issues, especially when we constantly hear about the virtues of insurance on TV and in publications. We all know that insurance is necessary to preserve whatever finances we have been able to accrue over the years and as our population ages, we face more decisions in regard to the insurance required to attain our lifes goals. Some will pay the entire bill from savings, some will turn to Medicaid when their money is exhausted, others will have insurance to cover all or most of the costs.
Evidence suggests they are succeeding.
The law requires nursing home staff to draw up annual plans for each patients care, after consulting with the patient. Plans must be updated every three months. The law also limits the ability of homes to sedate residents and requires that they have a licensed practical nurse on duty 24 hours a day. Consumer groups such as the National Citizens Coalition for Nursing Home Reform urge family members to request a copy of their relatives plan of care and monitor the implementation. Complaints should first be brought to the nursing home staff and then, if necessary, to the office of the long term care ombudsman through your states office on aging, located in the capital.