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. 

What would have been

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