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In addition, estimation results for consumption functions with respect to various kinds of wealth suggest that the annuitization of wealth because of the maturing of public pensions and the introduction of reverse annuity mortgages is likely to further decrease the savings rate in the future.
Almost none of this goes to long-term care, and reverse annuity mortgages don't sell, because Medicaid exempts the home - the government will pay.
Reverse mortgaging must be distinguished from a Reverse Annuity Mortgage (RAM) and swap.