- In contrast to private long-term care insurance, you pay WA Cares Fund premiums only when you are working (not when taking time off for caregiving or after retirement).
- No matter what your age or health status, the WA Cares Fund provides affordable long-term care coverage at a predictable cost of 0.58% of your earnings.
- Once you’ve met the 10-year vesting period, the benefit will be available when you need it, even if it’s 20 or more years after you retire.
- If you need help and you’ve paid in 3 out of the last 6 years, you may also be eligible for benefits.
- When you are participating in the WA Cares Fund, you can still add additional coverage by purchasing private long-term care insurance at any time.
- The WA Cares Fund may allow you to reimburse a family member for providing care.
Exemptions are permanent
To apply for an exemption, you must:
- Apply and be approved for an exemption.
- Be at least 18 years of age.
- And purchase a qualifying private long-term care insurance plan before Nov. 1, 2021. Long-term care insurance is defined in RCW 48.83.020.
Employment Security Department (ESD) is developing the process to apply for exemptions. Workers can apply between Oct. 1, 2021 and Dec. 31, 2022.
- To find out more about the exemption process, see ESD’s rulemaking page.
- Check the Office of the Insurance Commissioner’s website to learn more about private long-term care insurance in Washington state.
We’ll update this page with info about applying for an exemption as soon as it’s available.
Exemptions are for life. That means you’ll never have access to the WA Cares Fund benefit, which is currently $36,500.