What is the CLASS Act?

February 5, 2012

In March 2010, the Patient Protection and Affordable Care Act (PPACA) was signed into law.  A portion of the law, titled the Community Living Assistance Services and Support (CLASS) Act, established a national program for individuals to voluntarily purchase long-term care insurance.  The program was to be effective January 1, 2011.class act

Who is eligible?

Working adults may make voluntary contributions directly or through their employer toward long-term care insurance premiums.

What are the benefits?

Benefits paid will depend on the degree of a covered individual's impairment.

How is CLASS financed?

CLASS is financed through monthly insurance premiums paid by individuals.  Benefits are paid through a trust fund of the premium payments and interest earned. 


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