Sen. Edward Kennedy

Sen. Edward Kennedy

Earlier today, Sen. Edward Kennedy (D-Mass.) and Reps. Frank Pallone (D-N.J.) and John Dingell (D-Mich.) reintroduced the Community Living Assistance Services and Supports (CLASS) Act of 2009, which would create an insurance program for adults who become functionally disabled.

Not unlike our Long-Term Care Solution, the bill would create a national insurance trust, which would provide a cash benefit to help obtain services and supports. That cash benefit would allow those with disabilities to have more choices and opportunities in how and where they choose to live.

“As America continues to age, we are faced with an impending crisis in long-term care that has been ignored for too long,” Pallone said in a release. “As we work to reform our health care system, we must not forget those Americans in need of community services. The CLASS Act offers a new approach that is smart and compassionate. It will give those with functional disabilities the means to maintain their lifestyles, to stay with their families and to remain productive members of their communities.”

The insurance trust would be financed by voluntary payroll deductions. A person 18 years or older would be qualified to receive benefits after five years of contribution to the program. Under the measure, all working adults would be automatically enrolled in the program, unless they choose to opt out.

“The bill we propose is a long overdue effort to offer greater dignity, greater hope, and greater opportunity,” Kennedy said. “It makes a simple pact with all Americans – ‘If you work hard and contribute, society will take care of you when you fall on hard times.”