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Long Term Care

Long Term Care

Below is the link to the WA Cares Fund website with the most up to date and accurate information:

WA Cares Fund Website


On January 27 2022, Governor Inslee signed two bills passed by the Legislature making key improvements to WA Cares Fund. These reforms will address coverage gaps and delay program implementation by 18 months. Changes include:

  • Workers near retirement (born before 1968) will be able to qualify for partial benefits on a pro-rated basis.
  • Workers who live out of state and work in Washington, military spouses, workers on non-immigrant visas, and certain veterans with disabilities will be able to opt out of the program if they choose.
  • Workers will begin contributing to the fund in July 2023. Employers will refund any premiums collected in 2022 so far.


What is the WA Cares Fund?

The Washington State Legislature established a long-term care insurance benefit for all eligible workers to address the future long-term care crisis.

What contributions will I make to the WA Cares Fund via my paycheck?

The WA Cares Fund is self-funded entirely by workers contributions.  The premium is 0.58% (your wages x 0.0058). 

How do I earn this benefit?

You must contribute at least 10 years (without a break of 5 or more years) OR have contributed 3 out of the past 6 years at the time of application for benefits.

Are there any webinars on the WA Cares Fund?

Yes.  Please see the link below for available dates.

Click here for WA Cares Fund webinars

Can I purchase my own long term care insurance (not WA Cares Fund) and apply for exemption?

Yes, you can purchase your own long term care insurance.  UPSD is not offering other long term care insurance plans.  If you have a plan in place before November 1, 2021, you can apply for an exemption through the Employment Security Department beginning on October 1, 2021.  If approved, your exemption will mean that you aren’t required to pay premiums and will be permanently excluded from WA Care benefits. 
Click here for a list of approved LTC companies