Every W-2 employee earning income in the State of WA will be required to have 58 cents/$100 of income deducted from payroll which will be placed in a Long-term Care Services & Supports Trust Account. Someone making $50,000 would pay $24/month into the fund. There are no income limits, all income is taxed starting at age 18 with no maximum age.

You may opt out of the deduction if you own a long-term care insurance policy.

According to the current guidelines, you must have a long-term care insurance policy in place before November 1, 2021 to opt out of the automatic deduction.

Deductions begin January 1, 2022 . Benefits will not be available until January 1, 2025.

The state plan will provide a benefit pool of $36,500 adjusted for inflation, with up to $100/day reimbursement payment for home care, assisted living or nursing home care.

To qualify for the benefit, workers would pay into the fund for a minimum of 3 years. WA residents become eligible to use the benefit at the time they need help with 3 of 10 activities of daily living like bathing, dressing, using the toilet and getting in and out of bed. Must be a current Washington resident to access benefits at claim time. Individuals currently retired or out of the work force would not pay into the system and would not be eligible for the benefit.

To view the complete bill visit: https://app.leg.wa.gov/billsummary?BillNumber=1087&Year=2019


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Asset Protection

Help protect your savings from the costs of care not covered by traditional insurances or Government programs, like Medicare. It helps you choose where you receive care and avoid the nursing home!

Pie Chart

Overwhelming Statistics

  • 40% receiving long-term care are working-age adults, ages of 18-64.*
  • About 70% over age 65 will need long-term care services in their lifetime. By 2023, this number is expected to exceed 12 million.*
ACSIA Partners


At ACSIA Partners, your quotes are delivered by a single licensed agent, who helps you choose the best features and discounts, without over-buying the coverage. Avoid mistakes when planning for your long-term care with one-on-one guidance from ACSIA Partners.



Sample Long-Term Care Insurance Savings Opportunities

Up to 30%
Spousal/Partner Discount

Up to 15%
Preferred Health Discount

Up to 5%
Business Discount

* Discounts are not cumulative and vary by state.

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