Getting an Exemption
If you have LTC insurance purchased before Nov.1, 2021, you may apply to the state for an exemption from the WA Cares Fund. If the state grants you an exemption, you won’t pay the WA Cares Fund premiums and you won’t be eligible for program benefits.
Key Facts about WA Cares Fund Exemptions
You must have LTC insurance in place on Nov 1, 2021 to be eligible to apply for an exemption. (You have LTC through your District employment.)
Please note: if you are applying for family member coverage, the coverage must be approved before Oct. 15, 2021 to be effective by the Nov. 1, 2021 deadline.
It’s your responsibility to apply for your exemption from the WA Cares Fund. Exemptions from the state LTC program and tax are granted to individuals, not plans.
You apply to the Washington State Employment Security Department (ESD) for the exemption.
You have a short window to apply for an exemption: Oct. 1, 2021–Dec. 31, 2022. (Applications will not be accepted before or after these dates and any premiums paid will not be refunded.)
If your exemption is approved, you will receive an exemption approval letter from ESD.
You must bring a copy of your exemption approval letter to current and future employers. Bring your exemption approval letter to the District Benefits Department
Exemptions take effect the calendar quarter after approval. If you are not granted an exemption before Jan. 1, 2022, you will pay the WA Cares Fund premiums starting Jan. 1 through the end of the calendar quarter your exemption is approved, if you have given a copy of your approval letter to your employer. No refunds will be given by your employer or the state.
If your exemption is approved, you are permanently exempt from paying
WA Cares Fund premiums and permanently excluded from receiving
WA Cares Fund benefits.
What is Long-Term Care and Why is it Important?
Long-term care is the type of care you need when you are not able to perform Activities of Daily Living (ADLs), such as dressing, bathing, toileting, transferring and eating, due to an accident, illness, advancing age or if you have a severe cognitive impairment.
LTC benefits help pay for professional in-home care, care at an assisted living facility or nursing home, professional services and family support.
Seven in 10 people will need LTC and unfortunately, Medicare doesn’t pay for it. Often our loved ones end up having to pay for — or provide — the care we need. LTC insurance helps pay for caregiving services so you can get the care you need without depleting your life savings.
Oct. 1, 2021
First day to apply for WA Cares Fund exemption
Nov. 1, 2021
LTC plans must be effective by this date to be considered for an exemption
Jan. 1, 2022
WA Cares Fund premiums start
Dec. 31, 2022
Last day to apply for an exemption
Jan. 1, 2025
First day the WA Cares Fund benefit will be available for use