Long Term Care Insurance Beyond the CLASS Program

Authors

Amy Restorick Roberts, Case Western Reserve University
David B. Miller, Case Western Reserve University
Merl C. "Terry" Hokenstad Jr., Case Western Reserve University

Keywords

CLASS program, Gil model of analysis, long term care, older adults, equality

Abstract

The Community Living Assistance and Supports (CLASS) program, 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 program is the first step towards moving away from a welfare-based system, improving consumer choice, and creating a stable funding 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 services 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 national long term health care solution for the anticipated ongoing health and support service needs of the older adult population.

Recommended Citation

Roberts, Amy Restorick; Miller, David B.; and Hokenstad, Merl C. "Terry" Jr. (2012) "Long Term Care Insurance Beyond the CLASS Program," The Journal of Sociology & Social Welfare: Vol. 39: Iss. 3, Article 6.
DOI: https://doi.org/10.15453/0191-5096.3685
Available at: https://scholarworks.wmich.edu/jssw/vol39/iss3/6