The Affordable Care Act (ACA) set up the Community Living Assistance Services and Supports Act (CLASS Act). The CLASS Act is an optional insurance program funded by the people who buy it. The government runs this national program. It helps pay the cost of long-term care. Anyone who is eligible can participate. To be eligible you must:
- Be 18 or older
- Be employed
- Not be a patient in a hospital, nursing home, prison, or other institution
Enrollment is expected to begin in 2012. Benefits are available after you pay into the program for five years. At that time, if you need help with at least two daily living activities, you can get basic care either at your home or in a nursing home. Daily living activities are things like bathing, dressing, or feeding yourself.
UPDATE: On October 14, 2011, the Obama Administration announced that they would no longer keep trying to implement CLASS. The Administration stated that the program could not be self-sustainaing, as designed in the law.