LONG-TERM CARE INSURANCE

Make the best decision for you and your family.
Let us help you navigate through choosing the long-term care plan that works for you.

 

What is
Long-Term Care Insurance?

Long-Term Care Insurance is different from traditional health insurance, as it is designed to cover long-term services, support, and care. This care may take place in your home, community, or other facility. Policies reimburse policyholders (up to a set limit) for services to assist with daily activities like eating, dressing, or bathing.

Regular health insurance does not cover long-term care, so if you don’t have insurance to cover long-term care, in most states, you’ll have to pay for it yourself. However, Washington State Legislature has established long-term care insurance benefits for qualified, eligible individuals which will be available in 2026. For more information about the WA State plan, CLICK HERE

Long-Term Care is Critical.
Is a Private Plan Right for You?

  • 50% Of The Population Needs Long-Term Care

    It is expected that 75% of the population will eventually need long-term care.

  • Many Families Have No Reserves Set Aside for Long-Term Care

    The cost of long-term care can quickly deplete life savings and assets.

  • Long-Term Care Costs Are Continuing to Rise

    The type of care varies from in-home care to skilled nursing facilities, but costs can range anywhere from $70k to $200k+.

Let's Get Started With a Private LTC Plan!

Available Long-Term Care Private Plans:

FAQs

What Qualifies as Long-Term Care?

  • Needing assistance with Activities of Daily Living - Eating, Bathing, Dressing, Grooming, Mobility, Toileting, or Cognitive Function

If my spouse is a W2 employee but I am not, will I still qualify to receive state plan benefits?

  • No, the benefits will only go to the W2 employee. Everyone needs to have their own Long-Term Care plan

My children are over 18 but not yet working, do they need a plan?

  • They will automatically be enrolled in the WA state plan and their future W2 earnings will be subject to the payroll tax

I am self-employed, do I need to worry about this?

  • We recommend that business owners consider their options. A private plan may be the best choice for you.

Where can I find more information about the state plan?

  • We advise thoroughly researching all options before making a decision. You can access the WA Cares Fund website here: http://www.wacaresfund.wa.gov