A Report on the Actuarial, Marketing, and Legal Analyses of the CLASS Program. Notes

10/14/2011

  1. The Health Insurance Portability and Accountability Act of 1996 (HIPAA) created a new federal income tax deduction for premiums for long-term care insurance policies that met requirements defined in the Act, including required benefit triggers.

  2. Dr. Cohen indicated that ASPE is aware of the report. This contractor has not seen the report as of Oct. 11, 2010.

  3. The ADLs and IADLs listed in the order in which they were lost in the study by Njegovan et al. (2001) are as follows, from those lost first (i.e., in people with less cognitive impairment) to those lost last (i.e., in people with more cognitive impairment): doing housework, shopping, bathing, walking, transportation, meal preparation, toileting, using the telephone, managing money, transferring, managing medications, dressing, grooming, and eating.

  4. The FAST scale also includes substages in stages 6 and 7. At least one of these substages is used for determining eligibility for services, in this case, eligibility for Medicare-covered hospice care.

  5. The Alzheimer’s Disease Assessment Scale has 11 items to measure “noncognitive behavior,” but these items seem to be rarely used.)

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