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Long-Term Care Is Your Problem, Feds Decide

from ACPA

If you think Washington will meet your long-term care needs, think again. The Class Act, the long-term care insurance program enacted as part of the 2010 overhaul of the nation's health care system, was dropped in October after most actuarial experts determined it could not remain self-funded for 75 years. Though Washington has abandoned the problem, you don't have that luxury. As we get older as a nation, the chances continue to increase that you or someone you know will require long-term care. Long-term care is for people who require help with daily living functions, such as getting dressed or going to the bathroom. Long-term care patients have to pay for lengthy nursing-home stays, reside in assisted-living centers or get assistance from home-health aides. The rates and benefits of long-term care insurance can vary widely based on the carrier. The ACPA Member Insurance Program provides a team of experts who can answer your questions, help you determine the type of coverage you'll need, and obtain proposals from multiple long-term care insurance companies. more


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