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December 2, 2014

Jonathan Tobin: Defending the Right to a Jewish State

Heather Hale: Compliment your kids without giving them big heads

Megan Shauri: 10 ways you are ruining your own happiness

Carolyn Bigda: 8 Best Dividend Stocks for 2015

Kiplinger's Personal Finance editors: 7 Things You Didn't Know About Paying Off Student Loans

Samantha Olson: The Crucial Mistake 55% Of Parents Are Making At Their Baby's Bedtime

Densie Well, Ph.D., R.D. Open your eyes to yellow vegetables

The Kosher Gourmet by Megan Gordon With its colorful cache of purples and oranges and reds, COLLARD GREEN SLAW is a marvelous mood booster --- not to mention just downright delish
April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review Jan. 5, 2010 / 19 Teves 5770

Another Entitlement That's Unsustainable

By Debra J. Saunders

Debra J. Saunders



http://www.JewishWorldReview.com | Inside the House and Senate health care bills lurks a ticking time bomb — a new federal entitlement, under the Community Living Assistance Services and Supports (CLASS) Act, which would allow Americans to buy into a voluntary federal long-term care insurance program.


The main problem, as Josh Gordon, policy director for the fiscal-watchdog group the Concord Coalition, noted is that CLASS, which has passed "below the radar" of most Americans, is a poorly designed "gimmick."


While Washington would start collecting CLASS premiums in 2011, CLASS would not pay benefits for five years. So, because it charges for 10 years but only pays out in five, CLASS appears to be a deficit-cutter in the health care bill's 10-year budget window.


Paul Van de Water, a senior fellow for the left-leaning Center on Budget and Policy Priorities, which supports CLASS, noted that the five-year waiting period will keep people from enrolling for immediate benefits.


Besides, because Congress is "very sensitive" to the criticism that it used CLASS to keep the health care bill from adding to the deficit over 10 years, Van de Water told me, both houses passed bills that balance without the CLASS windfall.


OK, but I fear the joint conference committee's final version won't be balanced without the CLASS money. And even if the final health package does balance, CLASS will start running in the red 10 years after it starts writing checks, according to Richard S. Foster, chief actuary for Medicare and Medicaid.

Letter from JWR publisher


Beneficiaries could use CLASS payments to help pay not only for institutional long-term care, but also for in-home care. Now, I know I'll get e-mails from readers who argue that it is cheaper for mom to live with them than in a nursing home. But as the Concord Coalition warned, because CLASS "pays for a panoply of desirable home-care benefits, but fails to provide adequate oversight, it also invites moral hazard." And because "just about anyone who can possibly qualify will want to collect these benefits," the Concord Coalition warns of "induced demand — or what is sometimes called the 'out of the woodwork' phenomenon."


But wait — there's more not to like. Congressional Budget Office Director Doug Elmendorf estimates that, other than students and low-income workers who qualify for a subsidized $5 monthly premium, workers would pay an average of $146 per month under the House bill, which covers nonworking spouses, and $123 under the Senate bill. The bills invite employers to deduct premiums unless employees opt out.


Foster, however, believes an average premium of $240 per month would be required to cover costs — a price tag that likely would drive away all but the chronically ill.


As Foster wrote, "In general, voluntary, unsubsidized and non-underwritten insurance programs such as CLASS face a significant risk of failure as the result of adverse selection by participants." Foster sees "a very serious risk" that the CLASS Act will become "unsustainable."


Some call it a "death spiral" — higher premiums chase away healthy consumers and remaining customers drive prices ever upward.


CLASS could be the next new unsolvable headache my generation passes on to the next.

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© 2010, Creators Syndicate

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