Community Living Assistance Service and Supports (CLASS) program
The health reform law creates a national program through which people can purchase insurance for long-term care services. People who want benefits will pay premiums either through a voluntary payroll deduction or by paying their employer directly. To receive benefits, participants must have paid premiums for at least five years and must have been employed for three. The program provides a cash benefit that can be used to purchase community-based services, such as home health and adult day care, or institutional care.
