Friday afternoon, October 14, 2011

Secretary Sebelius writes the Speaker of the House that “…despite our best analytical efforts, I do not see a viable path forward for CLASS implementation at this time.”

Read the full Health and Human Services Report on CLASS (48 pages).

Read the memo from CLASS’ administrator to Secretary Sebelius’, ending with “For the reasons stated above,   I do not see a path to move forward with CLASS at this time. I recommend that we work with Congress and stakeholders, including consumers, insurers, and employers, to continue exploring all of the options to address the critical long-term care needs of Americans.” (emphasis added)

A particularly good article at The National Review

The text below is from a Washington Post article Troubled Long Term Care Program is First Casualty in the Political Wars Over Obama’s Overhaul

“But a central design flaw dogged CLASS. Unless large numbers of healthy people willingly sign up during their working years, soaring premiums driven by the needs of disabled beneficiaries would destabilize it, eventually requiring a taxpayer bailout.

After months insisting that could be fixed, Health and Human Services Secretary Kathleen Sebelius, finally admitted Friday she doesn’t see how.

“Despite our best analytical efforts, I do not see a viable path forward for CLASS implementation at this time,” Sebelius said in a letter to congressional leaders.

The law required the administration to certify that CLASS would remain financially solvent for 75 years before it could be put into place.

But officials said they discovered they could not make CLASS both affordable and financially solvent while keeping it a voluntary program open to virtually all workers, as the law also required.”

OTHER ARTICLES:

WA Post White House Eliminates Insurance Program for Long-Term Care

Thurs., Sept. 22, 2011

Bob Yee, the chief actuary for the Health and Human Services office that administers  CLASS, distributed a provocative letter today.  Here’s Yees’ first sentence :

“I’m leaving my position as the CLASS Office actuary as HHS has decided to close down the CLASS Office effective tomorrow.”

Publications have reported Yee said officials informed him last week that his services were no longer needed, and that the remainder of the eight-person office is likely being reassigned to other jobs.  Yee told Janet Adamy of the Wall Street Journal: “My understanding is they’re slowing down the development…They’re taking a pause and reducing the amount of work being done.”

Read more at Forbes.com

Washington Post article

Wall Street Journal blog

CBS News

Congressional Working Group Releases “CLASS’ UNTOLD STORY: Taxpayers, Employers, and States on the Hook for Flawed Entitlement Program”

September 16, 2011

The House Energy & Commerce Committee commented on the working group and the new 21-page report: The Repeal CLASS Working Group is comprised of Republican leadership in both the House and Senate charged with overseeing implementation of the new health care law. The Working Group’s key findings include: -Senior HHS officials publicly pronounced the CLASS [...]

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“CLASS is likely to be repealed soon,” CA Broker Sept. 2011 issue

September 15, 2011

From the article:  It’s now likely that the CLASS Act will be repealed soon, but its repeal would only be the beginning of many actions that the government will be taking in the coming years to limit its commitment to long-term care protection.  I believe that 10 years from now, one could even author a [...]

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CLASS implementation in 2013, says CBO

September 9, 2011

In an August 24, 2011 report “The Budget and Economic Outlook: An Update,” the Congressional Budget Office (CBO) is “anticipating a one-year delay in implementing the federal long-term care insurance program, the Community Living Assistance Services and Supports program” and that premiums will start being collected in 2013, not 2012 (exact wording shown  below – [...]

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Proposed Gang of Six Deficit Reduction Would Repeal CLASS

July 20, 2011

Details in the proposed Gang of Six deficit reduction plan, as reported July 19, 2011, include the repeal of CLASS.  The article by Kaiser Health News explains that plan provisions include: –Starting in 2020, set target to hold the growth of federal health care spending to a formula linked to the Gross Domestic Product, plus [...]

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HealthAffairs: “CLASS…will be reshaped to address concerns about solvency.”

June 23, 2011

This Health Policy Brief does a great job of explaining the issues surrounding CLASS and options that policymakers may consider as they seek to make the program sustainable. Health Policy Briefs are produced under a partnership of Health Affairs and the Robert Wood Johnson Foundation. Read the Brief Here

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Can the CLASS Act be Saved (and, is it disability insurance or long term care insurance)?

June 1, 2011

In the Washington Times’ May 30, 2011 edition, CLASS is described as a “national, voluntary disability insurance program”! Interesting.  Most everything else that you’ll read describes CLASS as a long term care insurance program.  CLASS is like disability insurance in that there are earnings requirements to become enrolled and to become eligible for claims payment.  [...]

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Congressional Research Service releases CLASS report

June 1, 2011

Prepared for Members and Committees of Congress, the Congressional Research Service released a report on CLASS (CRS_CLASS_ACT_R40842_05-13-11), dated May 13.  This is the latest in series of reports on CLASS. The report does a particularly good job explaining some of the least-understood aspects of CLASS (from the “summary” page, paragraph 3, bold emphasis added by [...]

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USA TODAY: 4 tips to help plan for retirement health care costs

May 25, 2011

In an Associated Press article picked up by USA Today, author David Pitt advises: 1. Work on developing a retirement spending plan; 2. Buy disability insurance; 3. Consider long term care insurance; 4. Get healthy. Under tip #2, Buy disability insurance, the article talks about CLASS (see text in red below).  From  “The Sun Life [...]

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