The Washington Cares Fund, previously known as the Long-Term Services and Supports Trust Act, stands as a pioneering effort in public long-term care insurance, designed to support Washington state workers with the costs of long-term care services. This innovative program, funded by a 0.58% payroll deduction, offers up to $36,500 in benefits (adjusted annually for inflation) for a range of services, including in-home care, home modifications, and meal delivery. The goal is to help residents maintain independence and dignity as they age.

To be eligible for the Washington Cares Fund, individuals must contribute to the program for a set number of years and demonstrate a need for assistance with daily activities, such as bathing, dressing, and eating. By easing the financial burden on families and reducing the strain on state-funded Medicaid programs, the initiative aims to provide valuable support for long-term care.

Recent updates to the program have addressed previous concerns, including the introduction of portability starting in July 2026. This change allows residents to carry their WA Cares savings with them if they move out of state, provided they have contributed for at least three years and opt in within a year of leaving Washington.

Currently, Initiative 2124 is generating considerable attention. This proposed measure could give residents the option to opt out of the state’s long-term care insurance program. With over 100 organizations voicing opposition, the debate is intensifying. Critics argue that allowing opt-outs could effectively dismantle the program, potentially leaving nearly 3.9 million workers without the promised benefits for long-term care.

As the November ballot approaches, it’s crucial for all Washingtonians to stay informed and understand the implications of their choices. I encourage everyone to explore the details of both the Washington Cares Fund and Initiative 2124 to make a well-informed decision.

For more information on the Washington Cares Fund, visit WA Cares Fund at https://wacaresfund.wa.gov/. To learn more about Initiative 2124, visit https://ballotpedia.org/Washington_Initiative_2124,_Opt-Out_of_Long-Term_Services_Insurance_Program_Initiative_(2024).

Sara Pelfry

Lahari