Many long-term care employers are unable to offer health care coverage, which can cost as much as $4,000 per employee per year. Employers who do offer health plan options usually lower costs by excluding certain employees – including part-time workers and new hires – from eligibility and requiring covered employees to pick up significant premium and copay costs. But many direct-care workers earn less than the federal poverty level ($16,600 for a family of three as of 2006) and can’t pay much for insurance premiums, doctor visits, or prescription drugs.
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