On Oct. 14, the Community Living Assistance Services and Supports program—also known as CLASS—was indefinitely suspended after the Department of Health and Human Services determined it couldn’t make the federal long-term care insurance program financially sustainable. 

While many inside the Beltway saw the announcement as an opportunity to score political points, I view it as a milestone that spotlights not only the importance of LTC planning, but also the need for individuals and employers to embrace their own responsibility for addressing this need. 

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