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39 J. Soc. & Soc. Welfare 85 (2012)
Long Term Care Insurance beyond the CLASS Program

handle is hein.journals/jrlsasw39 and id is 487 raw text is: Long Term Care Insurance Beyond the CLASS Program Amy RESTORICK ROBERTS DAVID B. MILLER MERL C. TERRY HOKENSTAD, JR. Mandel School of Applied Social Sciences Case Western Reserve University The Community Living Assistance and Supports (CLASS) pro- gram, created under the Patient Protection and Affordable Care Act, established a federally-administered, voluntary insurance program that allows for working adults to purchase insurance to cover the cost of long term support services. The CLASS pro- gram is the first step towards moving away from a welfare-based system, improving consumer choice, and creating a stable fund- ing source for long term care needs. Enrollees in the CLASS program who meet benefit eligibility requirements and need care assistance will receive a cash benefit to pay for supportive servic- es such as home health care, adult day services, assisted living, nursing home care, housing modification, assistive technologies, and transportation assistance. The authors apply David Gil's (1992) model of social policy analysis to assess the effectiveness of this policy alternative to aid in the development of a viable na- tional long term health care solution for the anticipated ongoing health and support service needs of the older adult population. Key words: CLASS program, Gil model of analysis, long term care, older adults, equality As the baby boomers age, the need for long term ser- vices and supports for individuals living in the community will increase dramatically. Today, approximately 10 million Americans need long term care (LTC) services to assist with Journal of Sociology & Social Welfare, September 2012, Volume XXXIX, Number 3