Health Reform to Support Aging in Place

For Hawaii residents looking to soften the impact of high long-term care costs down the road, the new health care law has something to consider.

The law creates a Community Living Assistance Services and Supports (CLASS) provision that will provide cash benefits to you if you have a qualifying disability that limits your day-to-day living. You can use this insurance to help pay for non-medical services and supports such as home modification, assistive technology, transportation, and personal care. You can also use it to pay part of the cost of living in nursing home care.

CLASS is welcome news in Hawaii, where our elderly population is increasing, the cost of nursing care is prohibitively expensive, and nursing home facilities are nearly full. Under the new law, money could be used to pay family caregivers who enable many of us to stay independent in our homes as we get older.

If you’re 18 or older, employed, and your employer participates in the program, you’ll be enrolled in the CLASS Independence Benefit Plan automatically unless you or your employer choose not to participate. The program begins as soon as January 2010, with premiums paid through payroll deduction.

CLASS provides a cash benefit averaging not less than $50 per day for eligible participants with qualifying disabilities. Once you’ve paid the premiums for five years and have worked at least three of those years, you’ll be eligible for benefits.

Over the next several months, federal officials will provide additional details about the program, including premium costs and the amount of cash benefits. AARP is closely monitoring how health insurance reform is implemented to protect our members.

Check www.aarp.org/getthefacts for updates as details become available.

Topic Alerts

You can get weekly email alerts on the topics below. Just click “Follow.”

Manage Alerts


Please wait...

progress bar, please wait

Tell Us WhatYou Think

Please leave your comment below.


Discounts & Benefits

From companies that meet the high standards of service and quality set by AARP.

Walgreens 1 discount membership aarp

Members can earn 50 points per $1 spent on select health & wellness products at Walgreens.

member benefit aarp hear usa

Members save 15% on easy listening devices and more at the HearUSA Hearing Shop.

Eye Med 4 Membership Benefit AARP Discount

Members save up to 60% on eye exams and 30% on glasses at Target Optical.

Membership Benefits Discounts Email Genius

Brain boost? Get AARP email for access to memory exercises & more that help you focus.

Rewards for Good

Your Points Balance:

Learn More

Earn points for completing free online activities designed to enrich your life.

Find more ways to earn points

Redeem your points to save on merchandise, travel, and more.

Find more ways to redeem points