Home   >  Long-Term Care  >  Getting an Exemption

Getting an Exemption

If you have LTC insurance on Nov.1, 2020, 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 to the WA Cares Fund program tax. 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.

   

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.

Links

(As of Aug. 3, 2021, there is no information about exemptions on the ESD website)

If your exemption is approved, you are permanently exempt from paying WA Cares Fund premiums and permanently excluded from receiving WA Cares Fund benefits.

Booklets, Brochures & Forms

Key Dates

  • 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