Youre a baby boomer, or a recent graduate, or maybe, a newlywed. Youre sorting out your future, worried about the pressures of new circumstances, concerned about finances. And then theres your mother. Or son. Or sister.No one lives in a vacuum. We all have ties binding us to loved ones across the generations, and for many, these ties mean that we must lend a helping hand, or provide full-time care. Sometimes, the needs are multiple: Your mother-in-laws health is in steep decline, just as your grown son gets a difficult diagnosis or the health issue is your own, and caring for your family means caring for yourself.Right now, America is talking a great deal about reforming its health care system. Both the administration and Congress are formulating plans and planning to make changes. This is heartening and bodes well for our shared future. Strengthening and securing our health care safety net, and exploring paths to universal access, will be a real improvement for everyone in the country.But so far, a fundamental piece is missing from the discourse: For these efforts to be a true success, Congress must also incorporate long-term supports and services in any reform package. These kinds of services run a gamut of possibilities: housing, medical care, transportation, nutritional guidance, spiritual counseling all are ultimately crucial to the well-being of those with long-term health needs. High-quality, affordable support systems, whether theyre in an institutional setting or your familys spare room, are not a luxury, nor should caregivers have to struggle to provide them. They are a central, cohesive element of a functioning, healthy society.And yet caregivers often do have to struggle to provide long-term support, and the Medicaid system is placed under enormous pressure in the process. Its an old, familiar problem to anyone who has ever had to take care of someone they love a problem that could be greatly alleviated if a mechanism of supplementary insurance were in place, providing a pool of funding for Americans with long-term health needs.Such a mechanism is precisely what will be established, if Congress passes the Community Living Assistance Services and Supports Act. The CLASS Act would establish a voluntary disability insurance program, specifically geared toward adults with long-term care needs. For less than the price of a daily cup of coffee, individuals could choose to make a regular payroll deduction of $88 a month, joining an insurance program that would increase their choices in meeting any long-term needs they may have, and easing much of the pressure currently on the Medicaid program.