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Long-Term Care Financing Must Be Part of Health Care Reform
Date:7/9/2009

e private care policies. We'd create a solution balancing personal responsibility and a secure safety net.

The CLASS Act (Community Assistance Living Services & Supports) introduced by the Senate Committee on Health, Education, Labor & Pensions is that opportunity. In the opt-out insurance plan, people would pay a premium of approximately $65 per month in return for a minimum daily benefit of $50 that they can self-direct. It would make private wrap-around insurance policies appealing because consumers would easily understand what their dollars buy and they'd know such a product could guarantee quality of life and fiscal security. It also could gain a state good housekeeping seal from state or federal governments, further enhancing consumer confidence in such a product.

The Congressional Budget Office's evaluation of the CLASS Act shows no cost to the government over the next 10 years, a positive savings of $2.5 billion in Medicaid in the first 10 years alone, and long-term sustainability. This would transform financing of long-term services and supports, assist America's workers and future retirees, enhance intergenerational financial security, and promote choice and independence. Without a long-term care financing solution, America doesn't have true health care reform.

Kathryn Roberts is president and CEO of Ecumen. It is the most innovative leader of senior housing and services, empowering individuals to live richer and fuller lives. Follow Ecumen on its blog Changing Aging.

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Read the full story at http://www.prweb.com/releases/long-term-care/Ecumen/prweb2616294.htm.


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