Florida State University, Tallahassee, FL 32306-2230, USA.
J Aging Soc Policy. 2012;24(2):136-51. doi: 10.1080/08959420.2012.659141.
The Community Living Assistance Services and Supports (CLASS) Act, part of the 2010 health care reform, would have paid a daily cash payment toward the costs of long-term care. This article points out that although the CLASS Act may have been sufficient to cover the costs of most home- and community-based services, it was an inadequate response to the most pressing long-term care financing problem facing baby boomers: nursing home care costs. The risk of needing a nursing home is higher than other catastrophic risks. Boomers lack savings to pay those costs. CLASS aimed to encourage people to use home- and community-based services to substitute for nursing home care, but research spanning decades shows there is little substitution effect.
《社区生活援助服务和支持法案》（CLASS 法案）是 2010 年医疗改革的一部分，该法案将为长期护理费用支付每日现金支付。本文指出，尽管 CLASS 法案可能足以支付大多数家庭和社区为基础的服务费用，但它无法解决婴儿潮一代面临的最紧迫的长期护理融资问题：疗养院护理费用。需要疗养院护理的风险高于其他灾难性风险。婴儿潮一代缺乏支付这些费用的储蓄。CLASS 旨在鼓励人们使用家庭和社区为基础的服务来替代疗养院护理，但跨越数十年的研究表明，替代效果很小。
