President Obama signed the Patient Protection and Affordable Care Act into law last week. The bill contains provisions for a federal long-term care insurance program. Called the Community Living Assistance Services and Supports (CLASS) Act, the program calls for workers to pay a monthly premium, to be set annually by the Secretary of Health and Human Services, and receive an average daily benefit of $50 to $75 in exchange if they require long-term care services.

The American Council of Life Insurers (ACLI) contends that while the bill’s sponsors are to be commended for seeking ways to address American’s long-term care needs, the CLASS Act will lead to more confusion for those planning for their future, and will do little to ease the strain on entitlement programs.

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