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CLASS Act « Insurance

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Community Living Assistance Services and Support Program (CLASS) Act


The Community Living Assistance Services and Supports (CLASS) Act was enacted as Title VIII of the Patient Protection and Affordable Care Act (ACA), P.L. 111-148 (Mar. 23, 2010), which amended the Public Health Service Act, 42 U.S.C. section 201 et seq., by adding the CLASS Act as Title XXXII. The law was designed to establish a voluntary, national insurance program for American workers to help pay for long-term services and supports they may need in the future. The CLASS program seeks to help enrollees live independently in the community and to give them considerable freedom to determine the necessary services and supports they purchase with their coverage. By statute, CLASS benefits must be funded entirely through enrollee premiums; there is no taxpayer subsidy. (from the HHS report below)

Official Information:

Articles and Publications:

  • Advancing Long-Term Services & Supports (Health Affairs Journal – January 2010)
    This issue focuses on long-term care and related services, including the CLASS Act and the need to develop a competent, paid workforce to deliver needed services and supports.
  • Details on the Class Act – Part 1 (New York Times – 4/29/10)
    The New Old Age has been following the Class Act, the first national plan for long-term care insurance, since last summer, but the late Senator Edward M. Kennedy and his staff began working on the current version of this plan in 2003.
  • Details on the Class Act – Part 2 (New York Times – 5/3/10)
    Posting about the new federal Class Act invariably brings at least two kinds of responses from New Old Age readers: questions about how it will operate and who will be able to participate, and a tide of gloomy predictions, often from insurance agents and industry spokesman, of spiking premiums and eventual insolvency.
  • Health Care Reform and the CLASS Act (Kaiser Family Foundation)
    This brief describes the major components of the CLASS program including eligibility, benefits, financing, and interaction with Medicaid
  • House Votes to Repeal CLASS Act (ABC News 1/1/12)
    The House of Representatives voted today to repeal a lifeless provision of the president’s health care reform law, known as the CLASS Act. Even though the Obama administration last fall declared the law dead in the water because the program is not fiscally sustainable, the Democratic-controlled Senate is unlikely to follow the House’s lead to repeal the provision.
  • Guide To CLASS and Long Term Care Planning (LTCA)
    When health care reform was signed into law, Title XXXII established a "national voluntary insurance program for purchasing Community Living Assistance Services and Supports," or more briefly known as CLASS. Although not everything about the CLASS Program has been defined yet, it is expected that: Plan features, benefits and limitations will be announced by October 1, 2012, and Employers will likely begin Program roll-outs in either late 2012 or early 2013. "The Guide to CLASS booklet is our best interpretation of what the law tells us about the CLASS Program," said Stephen D. Forman, Senior Vice-President of LTCA. "We believe it contains invaluable information for both employers and employees."
  • The Curtain Rises on the Class Act (New York Times – 3-17-11)
    It probably tells us something that the hearing that began in Washington this morning, before the health subcommittee of the House Energy and Commerce Committee, is the very first congressional hearing on the Class Act. You haven’t read much about the Class Act here lately — or anywhere, I’ll bet. In the year since it quietly became law, a little-remarked-on part of the health care package, it’s become even less remarked on. But that seems about to change.
  • What is the CLASS Long-Term Care Insurance Program? (American Assn. for Long-Term Care Insurance)
    How does it impact you (if you have LTC insurance and if you don't)?
    The Department of Health and Human Services has disbanded the staff working on the CLASS Act program, including the program's Chief Actuary. That said, they have NOT completely terminated the program and are planning to issue a report that may contain recommendations for next steps.