Please read the excerpt below from this National Public Radio story.  If you want to do help do something about this right now, please join us in doing two things today:

1.  Call (800) 958-5374 before 5 p.m. Central and urge your senators to contact Sen. Harry Reid in support of the CLASS Plan. When you call, the operator will ask you to say your state’s name and will then transfer you automatically to one of your senator’s offices.

2.  Register for Ecumen’s Changing Aging grassroots network here.

Thank you!

Donna Taylor’s father was the rock of the family. He was the primary caregiver for his disabled wife and her elderly mother. But he got sick and went into the hospital for 10 days. When he got out, he couldn’t walk.

Taylor, 41, and her siblings — all of whom had families and children of their own — helped out. But with three elderly, disabled adults in one house, caregiving got expensive. Taylor says her father was surprised at how quickly the family went through its savings.

"He said, ‘I worked and I did the right things. I had a pension and I put money away in savings and I had what I thought were the right insurances and the money didn’t go far enough.’ It just, it just wasn’t enough."

When Insurance Isn’t Enough

Like most Americans, Taylor’s parents believed that Medicare and their private health insurance would pay all the costs of living in a nursing home. It doesn’t. Medicare, the federal health insurance for the elderly and disabled, paid the full cost of her father’s first 20 days in a rehabilitation nursing home for therapy to try to get him walking again.

But Medicaid, the state and federal insurance program for the poor, does pay for someone to stay long-term in a nursing home. So Taylor told her father he’d have to spend through the rest of his savings, go into poverty, and qualify for Medicaid.

"If you have ever had to look in the eyes of a 64-year-old man who has now had to live in a nursing home, and it’s horrible," she says. "And he never ever made me feel bad about that decision. He never said, ‘Donna why’d you do this to me?’ But he told me, ‘This isn’t how it was supposed to work out.’"

Taylor’s father died in that Phoenix nursing home last year. The nursing home is part of Arizona Baptist Retirement Centers, where Taylor works as an executive vice president. Taylor thinks her father sort of gave up on life.

Better Options

Proposals written into health care overhaul legislation would help families like Donna Taylor’s, says John Rother, of the AARP.

One would encourage states to offer more generous benefits to disabled and elderly people on Medicaid who want to stay in their own homes.

And then, says Rother, there’s something that could help millions of people. "The CLASS Act," he says, "which was introduced by the late Sen. Ted Kennedy, is a way of putting into place, gradually, an insurance approach to long-term care as opposed to the welfare-based approach we have today."

Workers would choose whether to have money deducted from their paychecks. The deduction would, on average, come to about $65 a month and, when needed, it would pay about $75 a day, according to estimates by the Congressional Budget Office. That’s a little less than half of what one day in a nursing home costs now.

"The CLASS Act is not designed to protect people from the cost of nursing home care, very expensive care," says Rother. "It’s really designed to help you stay independent at home and to get the services you need: home care, Meals on Wheels, visiting nurse. The kind of thing people do need very often to be able to continue to live independently, and, you know, I think that’s actually what most of us want."