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A Journal on Forensic Medicine
Minerva Medicolegale 2002 June;122(2): 107-11
The Ministerial Decree of 22 December 2000. A doubtful step forwards for ''long-term care'' insurance policies
Sirignano A., Buccelli C.
The Ministerial Decree of 22 December 2000 represents an important legislative milestone given that it marks the first time tax benefits have been used to persuade users to take out private long-term care insurance (LTCI), thus addressing the question of finding the necessary financial resources to tackle the urgent problem of meeting the needs of the non self-sufficient and in particular the elderly, in view of the gradual ageing of the population. However, the decree imposes too wide a range of requirements for the medicolegal assessment of the loss of self-sufficiency and for this reason it is unlikely that it will be backed by the insurance companies. For the time being, the latter have announced their intention to adopt a much more restrictive set of criteria before justifying the implementation of the guarantee.