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The CLASS Act: Retirement In-Security
Date:7/28/2009

target="_new">http://www.actuary.org/pdf/health/class_july09.pdf). It would take significant increases in premiums or infusion of billions of federal dollars to keep afloat such an entitlement program, Keating said.

"The fact is, no long-term care policy based on such a weak financial footing would be allowed on the market today," he said.

"Simply put, the federal government should not get into the business of providing long-term care insurance. It sets the stage for doing more harm than good to consumers," he said.

The American Council of Life Insurers (ACLI) is a Washington, D.C.-based trade association whose 340 member companies account for 93 percent of the life insurance industry's total assets in the United States, 94 percent of life insurance premiums and 94 percent of annuity considerations. In addition to life insurance and annuities, ACLI member companies offer pensions, including 401(k)s, long-term care insurance, disability income insurance and other retirement and financial protection products, as well as reinsurance. ACLI's public Web site can be accessed at www.acli.com.


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SOURCE American Council of Life Insurers
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