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CalPERS launches Age Assured program for long‑term care policyholders; early uptake and interventions reported
Summary
CalPERS and vendor Assured Allies described an ‘Age Assured’ aging‑in‑place program that targets long‑term care policyholders (program launched May 2024). Presenters said early outreach produced engagement and thousands of coach calls and interventions; staff and a caller praised the service.
CalPERS and its vendor Assured Allies described a new aging‑in‑place program for long‑term care policyholders at the Jan. 15 stakeholder forum, calling it an early demonstration of preventive services designed to help policyholders remain independent and delay or avoid higher‑cost long‑term care.
Program basics: CalPERS staff said the Age Assured program, launched in May 2024 after a contract signed in March 2024, targets policyholders age 75 and older who are not yet on claim. The program offers proactive outreach, health coaching and curated, low‑cost home interventions intended to reduce fall risk and other short‑term needs that can precipitate a formal claim.
Early engagement metrics: CalPERS and Assured Allies reported an early response that staff described as “far exceeding industry standards.” Presenters said outreach initially targeted roughly 47,000 eligible policyholders and that the early opt‑in rate was about 13% of that group. Assured Allies reported thousands of coach‑member conversations, tens of thousands of identified needs and over 16,000 interventions provided in the initial months of operation. Assured Allies also reported an early net promoter score (NPS) of about 70 based on roughly 1,500 survey responses.
How the program works: Assured Allies said the program stratifies risk, prioritizes “rising risk” policyholders, and deploys board‑certified health coaches who use motivational interviewing to identify customized interventions (for example, grab bars, medication organizers, transportation help or other low‑cost home modifications). The vendor emphasized that the service is voluntary and provided at no cost to policyholders and that the ally‑delivered interventions are drawn from a vetted list of options.
Member experience and examples: Assured Allies walked through a case study in which a policyholder received seven coach calls, a safer‑shower solution (grab bars and a mat), a medication organizer and transportation help. A caller who identified herself as a program participant told the forum she had a positive experience and encouraged other policyholders to use the service.
Discussion vs. outcomes: Presenters said the program is new and that long‑term actuarial savings will take more time to measure. CalPERS staff said they will monitor cost‑effectiveness and produce annual reviews; staff also described monthly reporting from the vendor.
Ending: CalPERS framed Age Assured as an early innovation intended to improve member quality of life while reducing long‑term claims; the system said it will continue to refine outreach and report results to the board.
