CLASS Act analysis reveals America's long-term care future

The Community Living Assistance Services and Supports (CLASS) Act — a largely overlooked component of the 2010 Patient Protection and Affordable Care Act — has the potential to transform long-term care financing in the United States from a welfare-based to an insurance-based system, according to the latest issue of Public Policy & Aging Report (PPAR). With funding from The SCAN Foundation, this installment of PPAR features seven articles that recount the origins of the CLASS Act, analyze the legislation's key provisions, and explore potential hurdles of implementation.

"We consider this issue of PPAR to represent the best of what the publication has to offer," said PPAR Editor Robert Hudson, PhD, chair of the Department of Social Policy at the Boston University School of Social Work. "It is timely, informed, and cutting edge. It goes beyond the headlines and delivers detailed accounts of the emergence of the CLASS Act to a broad audience of policy and academic leaders."

The CLASS Act introduces a voluntary, federally administered insurance program designed to provide middle-class Americans the new choice to plan ahead for personal care and supportive service needs in the face of functional impairment. Enrolled individuals no longer will have to be demonstrably poor or spend themselves into poverty to receive long-term care protection.

According to the U.S. Department of Health and Human Services, at least 70 percent of Americans over the age of 65 will need long-term care services at some point in their lives.

"CLASS is about allowing working Americans to take personal responsibility for planning ahead so they can age with dignity and independence," said Bruce Chernof, MD, president and CEO of The SCAN Foundation. "CLASS enrollees will have the power to choose the services they want in the setting most appropriate to their needs."

Source: The Gerontological Society of America