As predicted by many, it looks as if the federal long-term care insurance program included in the health care reform law will be financially unsustainable without major fixes.  See, for example, “Long-term Care Needs Changes, Officials Say” in the Feb. 22 New York Times. I wrote about this program in my Dec. 2009 WSJ op-ed. Not to worry though — HHS Secretary Sebelius claims that she has the authority and know-how to fix the program.