Changes are coming the the WA Cares Long Term Care program, including:
- Out-of-State Participation: Workers who relocate out of Washington may continue coverage if they paid into the program for at least three years. Starting in July 2026 you can continue participating after leaving the state if you have contributed for at least three years (500+ hours per year), opt in within one year of leaving, and keep contributing during your working years. Starting in July 2030, benefits will be available for out-of-state participants.
- Opt-in Option for Previously Exempt Workers: Those who opted out with private insurance may rejoin the program between Jan. 1, 2026 and July 1, 2028. For people who had private long-term care insurance before Nov. 1, 2021, and previously had an exemption granted between Oct. 1, 2021, through Dec. 31, 2022, you have an opportunity to rescind your exemption and rejoin.
- Supplemental Insurance: A new framework allows private insurers to offer supplemental long-term care policies that complement WA Cares benefits starting in 2027.
- Simplified Qualification: The requirement for five consecutive years of contributions within a 10-year period is removed.
Visit the WA Cares website for more information and addressing your exemption updates, if needed.
