Attention WA State Residents
Instructions on Applying for the WA Cares Fund Exemption

Click here for more Information

The WA State Long Term Services and Supports Trust Act

APPLY FOR THE WASHINGTON CARES FUND
LONG TERM CARE
TAX EXEMPTION

 

Click here to for instructions on how to apply for the WA Cares Fund Long Term Care Tax-Exemption

 

 

QUESTIONS?

wacaresexemptions@esd.wa.gov

(833) 717-2273

Step-by-step instructions

ww.wacaresfund.wa.gov

Long Term Care Insurance is designed to pay for long-term care services received at home, in an assisted living facility or nursing home if you are unable to perform defined “Activities of Daily Living” or suffer from severe cognitive impairment.

The Washington Long Term Services and Support Trust Act (LTSS) is a state operated program for $36,500 of LTC benefits that requires care to be provided in WA.

  • January 1, 2022 all Washington State W-2 Employees age 18+ will have a payroll tax of 0.58%.
  • October 1, 2021 – December 31, 2022 apply for a permanent exemption of the payroll tax and eligibility for future benefits if you have purchased LTC Insurance before November 1, 2021.
  • The Washington Employment Security Department (ESD) determines the definition for LTC Insurance and LTC plan design. ESD will decide whether a policy will qualify for the payroll tax exemption. 
  • Have Questions on the WA State Trust Act? Click here 

WA LTC Payroll Tax Calculator

Live Webinar

Your employer has partnered with
LTC Solutions, Inc. to explain your plan, review your options and rates, and help you complete your application.
LTC Solutions will be hosting live webinar sessions during the dates/times listed to the right. 

Date Time Register to Attend
6/2/2021 09:00am PST Link to Webinar

Features

www.wacaresfund.wa.gov

LTC Plan

What is the WA LTSS

WA Long Term Services and Support Trust Act (LTSS) is a state operated program for LTC benefits.

N/A

Payroll Tax/Premium

Effective 1/1/2022 for W-2 employees ages 18+ in WA State

Payroll tax of 0.58% on income

Example: $50,000 annual income = $290 annual tax

Policy effective date


Premium based on age and plan design

Apply for LTSS Tax Exemption

10/1/2021 – 12/31/2022 employees can apply for permanent exemption of the payroll tax and eligibility for future benefits if they have LTC Insurance purchased before 11/1/2021

N/A

Benefit Vesting

10 years with no more than a 5-year interruption or

3 out of the last 6 years from the date of application for benefits

1 year is defined as working at least 500 hours

Available on effective date of the policy

Where care is provided

WA state only

Any state

Elimination period / Deductible

1st date to file a claim is 1/1/2025

90 days

Plan Design

365 units at $100 a unit = $36,500

Adjusted annually for inflation

 

WA state can change plan design

Monthly Benefit Amount

Benefit Duration

Trigger Benefits

3 out of 10 ADL’s

2 out of 6 ADL’s

or cognitive impairment

Activities of Daily Livings (ADL’s)

Bathing

Dressing

Transfer Assistance

Toileting

Eating

Medication Management

Personal Hygiene

Body Care

Ambulation / Mobility

Cognitive Impairment

Bathing

Dressing

Transfer Assistance

Toileting

Eating

Continence

OR

Supervision due to Cognitive Impairment

 

For more information visit www.wacaresfund.wa.gov

Washington Employment Security Department (ESD) determines the definition for LTC Insurance and LTC Plan Design. ESD will make the decision if your policy will qualify for the payroll tax exemption.