H.R.2082 - Well-Being Insurance for Seniors to be at Home Act; WISH Act (119th Congress)
Summary
H.R.2082, the Well-Being Insurance for Seniors to be at Home Act (WISH Act), aims to amend Title II of the Social Security Act to provide long-term care insurance benefits. The bill establishes a Federal Long-Term Care Insurance Trust Fund, funded through appropriations and gifts, to finance these benefits. It also mandates public education and outreach programs regarding long-term care needs and insurance options.
Expected Effects
If enacted, the WISH Act would create a new federal program providing long-term care insurance benefits to eligible seniors. This would likely reduce the financial burden on families and decrease reliance on Medicaid for long-term care services. The Act also aims to support the long-term care workforce.
Potential Benefits
- Provides financial assistance for long-term care to eligible seniors, reducing out-of-pocket expenses.
- Reduces reliance on Medicaid, potentially freeing up resources for other programs.
- Supports the long-term care workforce by increasing demand for services.
- Enables seniors to remain in their homes and communities for longer periods.
- Promotes planning for long-term care needs through public education initiatives.
Potential Disadvantages
- Requires significant government funding, potentially increasing the national debt.
- Could create administrative challenges in determining eligibility and disbursing benefits.
- May not fully cover all long-term care costs, leaving some financial burden on individuals and families.
- The program's success depends on accurate projections of long-term care needs and costs.
- Potential for manipulation of eligibility criteria, as highlighted in the GAO report requirement.
Most Disadvantaged Areas:
Constitutional Alignment
The bill's alignment with the Constitution is primarily based on the General Welfare Clause (Article I, Section 8), which grants Congress the power to provide for the general welfare of the United States. The Social Security Act, which this bill amends, has been upheld under this clause. The establishment of a trust fund and appropriation of funds are within Congress's enumerated powers.
Impact Assessment: Things You Care About ⓘ
This action has been evaluated across 19 key areas that matter to you. Scores range from 1 (highly disadvantageous) to 5 (highly beneficial).