After spending 19 months trying to figure out how to make the Community Living Assistance Services and Supports (CLASS) Act work, the Obama Administration has abandoned the landmark national long-term care insurance program that was included in the 2010 health reform law. But it was easier for the Administration and vocal GOP critics of the program to kill CLASS than [...]
The Community Living Assistance Services and Supports (CLASS) Act, the national long-term care insurance program included in the 2010 health reform law, is on life-support. It is increasingly likely that the Obama Administration will never develop the actual insurance policies that were supposed to be available to consumers next year. On Wednesday, the Senate Appropriations Committee deleted all of the [...]
It isn't news that Americans are reluctant to buy private long-term care insurance. Only 7 million have policies and the market is essentially dead in the water. But why don't we plan for the risk of needing assistance at some point in our lives? After all, 7 of every 10 of us will need care sometime after we reach age 65 and others will need it at [...]
A bipartisan deficit reduction plan proposed by the so-called "gang of six" Democratic and Republican senators would repeal the Community Living Assistance Services and Supports (CLASS) Act. CLASS, a national, voluntary long-term care insurance program, was included as part of the 2010 health law. The new budget plan, which President Obama called a "very significant step" also proposed significant, but unspecified [...]
We Americans often fall into the trap of looking at our problems in isolation. But every nation in the world faces its own challenges when it comes to caring for the elderly and younger people with disabilities. An imporant new report from the Organisation for Economic Cooperation and Development (OECD) provides an important international context for caregiving and caregivers in the developed [...]
Kaiser Health News published my column today on what Medicaid cuts would mean for seniors and others with disabilities. While most of the public and many policymakers never think about the importance of the Medicaid safety net for these people, the program is the nation's largest single payer of of long-term care supports and services. If future Medicaid benefits are reduced and most middle-class [...]
In recent weeks, I've written about what the House Republican plan to cap federal Medicaid contributions would mean to the frail elderly and younger adults with disabilities who are receiving care at home. Today, I'll take a look at what it would mean for skilled nursing facilites and their nearly 900,000 residents whose care is paid for by the joint federal/state program. The picture is [...]
On Thursday, I'll be participating in an Urban Institute panel on the future of the Community Living Assistance Services and Supports (CLASS) Act, the new national voluntary long-term care insurance program in the 2010 health reform law. It should be an interesting discussion, with other participants including Marty Ford, cochair of the Long Term Services and Supports Task Force, Consortium for Citizens with Disabilities; Rhonda Richards of [...]
Home equity can be a valuable tool for cash-strapped seniors who need to fund their long-term care needs. But one method, reverse mortgages, is running into a raft of new problems, including higher interest costs and a lawsuit by AARP that promises to be a public relations nightmare for the industry. Unlike traditional mortgage loans, RMs are a way for those 62 and [...]
In an important speech for those interested in the future of the CLASS Act, federal Department of Health and Human Services Secretary Kathleen Sebelius said today that the program must be self-supporting but conceded that, as designed, it may not meet that goal. "The program must be able to pay for benefits over the long-term with the premiums it takes [...]