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In the U.S. State of Washington, long-term care insurance is provided to eligible residents through the WA Cares Fund.[1] The first of its kind in the United States, Washington’s public long-term care insurance will start paying benefits to qualified residents in July 2026. Residents who qualify can use their benefits to pay for long-term care services and supports such as home caregivers, medical equipment, home safety evaluations and renovations, assistive technology, family caregivers, and long-term care facilities.
Need for public long-term care insurance
An estimated 70% of Americans will need long-term care at some point in their lives due to disability, chronic illness, or aging, but most do not have a way to pay for it.[2] Medicare and private health insurance do not pay for long-term care.[3] Taxpayer-funded Medicaid will only pay for long-term care as a last resort for Washington residents with $2,000 or less in assets, possibly requiring participants to sign over their homes to qualify.[4][5]
Women bear the brunt of caring for people without long-term care coverage.[6]
References
[edit]- ^ "Home | WA Cares Fund". wacaresfund.wa.gov. Retrieved 2024-10-02.
- ^ Gordon, Deb. "Most Americans Are Unprepared For Long-Term Care Costs, New Research Shows". Forbes. Retrieved 2024-10-02.
- ^ "Long Term Care Coverage". www.medicare.gov. Retrieved 2024-10-02.
- ^ "Washington Medicaid Eligibility: 2024 Income & Asset Limits". Retrieved 2024-10-02.
- ^ "State Medicaid offices target dead people's homes to recoup their health care costs". The Seattle Times. 2024-03-16. Retrieved 2024-10-02.
- ^ "As America's population ages, women shoulder the burden as primary caregivers". PBS News. 2024-03-30. Retrieved 2024-10-02.