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Creates a new Social Security long‑term care insurance benefit for retired people who develop a continual serious functional disability. It pays a monthly benefit, sets rules for hiring and reporting paid caregivers, and explains how this benefit is treated when figuring eligibility for other public programs. The Social Security Administration must also share planning information and begin publishing annual earnings tables starting in 2026.
Establishes a dedicated Federal Long‑Term Care Insurance Trust Fund managed by the Treasury, funds public education on long‑term care, and requires clear, individualized notices to help people plan. Independent reviews and plans from GAO and HHS will monitor fraud risks, protect older adults, assess consumer understanding, and recommend ways to meet remaining long‑term services and supports needs—especially for people not eligible for the new benefit, such as those disabled before retirement age.
Referred to the House Committee on Ways and Means.
Introduced March 11, 2025 by Thomas Suozzi · Last progress March 11, 2025
Amends subsection 201(i)(1) of the Social Security Act by striking the phrase ", or the Federal" and inserting ", the Federal" and by inserting additional text (insertion text is not provided in the section text).
Amends section 1143(a)(2) of the Social Security Act by adjusting punctuation in existing subparagraphs and adding a new subparagraph (F) requiring that estimates provided to individuals include 'an estimate of the potential long-term care insurance benefits payable to the individual.'
Provides that for purposes of computing the 'average indexed monthly earnings for long-term care' under the new section, section 215(b) (42 U.S.C. 415(b)) shall be applied as if amended: (i) paragraph (2)(A) is revised by replacing the existing 'reduced—' language through the end with a new phrase specifying reduction 'by the number of benefit computation years for which no wages were paid in and no self-employment income credited'; and (ii) paragraph (2)(B)(ii) is subject to a strike-and-insert amendment (replacement text not specified in the excerpt).