Try: Note this fact sheet is based on the healthcare reform bill future changes in the law could change the accuracy of this information beginning in 2011 the federal government will begin offering long term care ltc insurance the new health reform law establishes a federal voluntary long-term care insurance program known as community living assistance services and supports or class working-age adults will be able to choose to have premiums deducted from their paychecks to purchase public long-term care insurance through class class is a voluntary program employers may elect to enroll their workers automatically but if so a worker will be able to opt out after paying premiums for five years and you must have worked for three of those five years workers are eligible for a benefit of at least 50 per day class will provide a daily cash benefit to insured individuals who become limited in several basic activities of daily living the cash benefit can be used to help the beneficiary continue living and working in the community or to defray part of the cost of institutional care if that becomes necessary class will supplement , not replace , family care personal saving and private insurance the benefit will be modest around 50 per day so other resources may be necessary one of the stated benefits of the class act is that individuals cannot be rejected for coverage because of health so it could help individuals with medical conditions who don’t qualify for private long-term-care insurance although many of the details of the class act are yet to be determined this ltc insurance option is something to consider in the future

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*This information is listed as a Fact Sheet and is not explicitly medically licensed