Options for Getting Purchasing Power into the Hands of Participants: Lessons from Participant Direction Programs


This policy brief describes the use of cash, debit cards, and third-party payers in various participant-directed programs and suggests how these findings can inform the design and implementation of the CLASS Plan.

Date Updated: 04/06/2011

Individuals receiving benefits through the CLASS Plan will have a Life Independence Account, which will hold their authorized monthly benefit amount. This account can be accessed by the individual to purchase nonmedical goods and services that support the person’s independence at home or in another community-based residential setting. While specific rules and regulations have not determined how beneficiaries will access their Life Independence Account, the law states that they will have the option to use a debit card connected to their Life Independence Account…

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This policy brief provides background on the historical development of benefit eligibility triggers in the private long-term care insurance market. Understanding how these triggers came into being can provide important information to those charged with implementing the CLASS Plan.

This policy brief provides information about how long-term care insurers implement benefit eligibility triggers in the private insurance market. The way in which companies have operationalized benefit eligibility triggers can inform the development of regulations for the CLASS Plan.

This policy brief provides information on the benefit eligibility assessment process in the private long-term care insurance industry. It focuses on how long-term care insurers use the information in the adjudication process, who is involved in the process, and how activities of daily living and cognition are assessed.