Senior Policy Fellow

Stephen Moses

Steve Moses is a senior policy fellow with Federalism In Action (FIA) and the president of the Center for Long-Term Care Reform (CLTCR) located in Seattle, Washington. The Center promotes universal access to top-quality long-term care by encouraging private financing as an alternative to Medicaid dependency for most Americans.

Prior to his current roles with FIA and CLTCR, Stephen was president of the Center for Long-Term Care Financing (1998-2005), Director of Research for LTC, Inc., (1989-98), a senior analyst for the Inspector General of the U.S. Department of Health and Human Services (1987-89), a Medicaid state representative for the Health Care Financing Administration (1978-87), a HHS Departmental Management Intern (1975-78), and a Peace Corps Volunteer in Venezuela (1968-1970).

He is widely recognized as an expert and innovator in the field of long-term care. Senior Market Advisor magazine named Stephen Moses in its top-ten LTC insurance “Power List” with his picture on its cover. McKnight’s Long-Term Care NEWS said Moses is “one of the 100 most influential people in long-term care.” Nursing Homes magazine reported “there is probably no more articulate spokesperson for privately financed long-term care than Stephen Moses.” Long-Term Living named him one of five “people making a difference in LTC.”

Stephen has directed numerous national and state-level studies for the federal government, state governments, and private think tanks on Medicaid long-term care eligibility, asset transfers, estate recoveries and LTC financing. He specializes in correcting problems associated with “Medicaid estate planning,” the practice of artificially impoverishing affluent people to qualify them for public assistance.

Stephen testified before Congress on “Examining Abuses of Medicaid Eligibility Rules” (2011) and on “Long-Term Care and Medicaid: Spiraling Costs and the Need for Reform” (2005). He influenced the content and passage of the Deficit Reduction Act of 2005, which discouraged Medicaid planning abuses and unleashed the LTC Partnership programs. He is credited with having “forged the framework” for the Omnibus Budget Reconciliation Act of 1993, which closed many Medicaid eligibility loopholes.

He helps state Medicaid programs curtail Medicaid estate planning and encourage private insurance and home equity conversion as alternatives to public welfare financing of long-term care for the middle class and affluent. He has testified before most of America’s state legislatures.

His articles have appeared often in publications like The Gerontologist, The Journal of Accountancy, The Journal of Financial Planning, Contemporary Long-Term Care, Best’s Review, National Underwriter, Assisted Living Today and Nursing Homes magazine. He is the author of chapters in several books including “Health and Long-Term Care Insurance” in Clark Boardman Callaghan’s legal treatise Advising the Elderly Client; the chapter on long-term care financing in “Age Wave” author Ken Dychtwald’s Toward Healthy Aging anthology; and a critique of the long-term care partnerships in a volume that reviews that program. Stephen frequently addresses professional conferences in the fields of law, aging and insurance. His recommendations are quoted often in the national media including the “CBS Evening News,” PBS’s “Frontline” and “The Financial Advisors,” CNN, National Public Radio, The New York Times, The Wall Street Journal, Newsweek, USA Today, Forbes, The New Republic, Smart Money, National Journal, and Jane Bryant Quinn’s syndicated column. He appeared in a public television documentary titled “The Aging of America: The Dilemma of Long-Term Care.” His TV and talk radio appearances on health care reform are unique and provocative.

Stephen is the author of many articles, speeches, and reports including Aging America’s Achilles’ Heel: Medicaid Long-Term Care. He completed the “2008 National Long-Term Care Consciousness Tour” traveling for a year and 28,028 miles while living in an Airstream trailer dubbed the “Silver Bullet of Long-Term Care.” The LTC Tour promoted responsible LTC planning and rational LTC public policy.

Stephen Moses holds a Master of Arts in Political Science with high honors from the University of Maryland in College Park, Maryland (‘71). He received his Bachelor of Arts in Political Science with highest honors (Phi Beta Kappa) from University of California, Davis (‘67).


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