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Best Long-Term Care Life Insurance in Washington State (2022) Some of the best long-term care insurance in Washington State comes from OneAmerica, National Guardian Life, Lincoln Financial, and Nationwide. However, Washington has also introduced the country's first state-run long-term care benefits program called the WA Cares Fund. Citizens can be eligible for this long-term care insurance in Washington State if they meet specific work requirements. Others may benefit from buying private long-term care insurance. Free Insurance Comparison Compare Quotes From Top Companies and Save Secured with SHA-256 Encryption UPDATED: Jun 28, 2022 It’s all about you. We want to help you make the right coverage choices. Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save. On This Page Table of Contents - A few of the best long-term care insurance companies in Washington State include OneAmerica, National Guardian Life, Lincoln Financial, and Nationwide - Your long-term care insurance rates will depend mostly on your age and health status when you purchase the policy, as well as your policy coverage details - Citizens of Washington State can benefit from the country’s first state-run long-term care benefits program called the WA Cares Fund - You may want to consider purchasing private long-term care insurance if you are not eligible for WA Cares benefits or if you want higher coverage limits or additional benefits Long-term care insurance can help to cover expenses associated with a chronic illness, disability, or other medical condition. In some cases, long-term care insurance can be compared with life insurance or similar benefits. As you get older, you may want to consider purchasing long-term care insurance to reduce the risk of using your retirement savings for arising medical issues. Below, we’ve discussed some of the best long-term care insurance in Washington State, how much it cost, and who can take advantage of the new WA Cares Fund. Keep reading to learn more. You can also enter your ZIP code into our free quote comparison tool above to find affordable long-term care insurance in Washington State. Table of Contents What are the best long-term care insurance providers in Washington State? If you were to become injured or disabled while working in Washington State and required income to continue your lifestyle, you have a few different options. You could choose to pay for long-term care out of your own pocket with savings or equity in your home. Some people may also qualify for Medicaid or VA benefits. However, you could also receive long-term care benefits from the WA Cares Fund or from a private long-term care insurance policy. Below are some of the best long-term care insurance companies in Washington State. OneAmerica OneAmerica is a long-term care insurance company in Washington State that combines long-term care insurance with life insurance or an annuity. In this case, you would pay for long-term care insurance, but if you didn’t use the benefits you would leave them as a death benefit for your beneficiaries. National Guardian Life (NGL) National Guardian Life’s (NGL’s) EssentialLTC long-term care policy includes various riders and benefits, such as a return of premium rider and flexible payment plans. In addition, NGL has received an A rating from A.M. Best, which indicates excellent financial strength. Lincoln Financial Lincoln Financial offers multiple long-term care insurance policies. However, one of its most popular policies is a hybrid policy that gives you the advantage of leaving a tax-free death benefit to your beneficiaries if you don’t use the long-term care benefits. Nationwide Nationwide offers stand-alone long-term care insurance policies or a long-term care add-on for life insurance policies. In addition, the benefits from Nationwide are paid in cash. Compare The Best Insurance Quotes In The Country Compare quotes from the top insurance companies and save! Secured with SHA-256 Encryption How much does long-term care insurance in Washington State cost? According to the American Association for Long-Term Care, the average long-term care insurance rates for a person in Select health (a lower rating than Preferred health) are as follows: Your age and health status at the time of purchase are the two most important determinants of your long-term care insurance rates in Washington State. However, your rates will also depend on your policy features. For example, you will need to choose the coverage amount, a benefit period, a daily benefit amount, an elimination period (the number of days you will pay for yourself before insurance takes over), and whether you want inflation protection. What is the WA Cares Fund? The WA Cares Fund is the first state-run long-term care benefits program that is paid for with a long-term care insurance Washington State tax that is deducted from employees’ payroll. In exchange for paying the small tax, citizens of Washington can receive long-term care benefits if needed. This long-term care insurance Washington State law went into effect on January 1, 2022. Employees must now contribute $0.58 for every $100 they earn, which adds up to about $302 per year based on the average annual earnings for a citizen of Washington. The tax rate for this program will be re-evaluated every two years. In order to be eligible for benefits, you must be employed for at least 10 years, without a break of five or more years, OR work for at least 500 hours per year for three out of the six years preceding your benefits application. The WA Cares Fund will begin paying benefits up to $36,500 in January 2025. They may cover professional in-home care, support for family caretakers, assisted living facilities or nursing homes, adaptive equipment and technology, home modifications, meals and transportation, dementia support, care transition coordination, and education and consultations. It is possible to file for a long-term care insurance Washington State opt-out if you wish to be exempt from paying the tax. However, there may be requirements that you must meet in order to qualify for an exemption. You should also keep in mind that you cannot re-enroll in the WA Cares Fund if you are granted an exemption. Should I buy long-term care insurance in Washington State? If you are not eligible to receive the WA Cares Fund benefits, you may want to consider buying private long-term care insurance. For example, if you plan to retire before working long enough to receive benefits, you may not be eligible for the WA Cares Fund. Many people may want to consider buying private long-term care insurance to have higher coverage limits. When you buy long-term care insurance from a private company, you can choose a higher level of benefits than is provided by the WA Cares Fund. You could also combine the benefits from both programs, or you can file for an exemption from the state fund and use just your private benefits. Private long-term care insurance policies may also include additional benefits, such as an optional death benefit, out-of-state coverage, return of premium riders, and the ability to add a partner or spouse to the policy. If you would like to compare long-term care insurance quotes in Washington State, enter your ZIP code into our free quote comparison tool below. Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
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तपाईंको फाइदाहरू कमाउँदै कार्यक्रम सुधारहरू जनवरी 2022 सम्म, WA Cares Fund को नयाँ समयरेखा र सुधारिएको कभरेज छ। परिवर्तनहरू समावेश छन्: - सेवानिवृत्त नजिकका व्यक्तिहरूले प्रत्येक वर्ष काम गर्दा आंशिक लाभहरू कमाउँछन् - केही कामदारहरू जो योग्य हुन वा आफ्नो फाइदाहरू प्रयोग गर्न असम्भव हुनेछन् उनीहरूले छूट अनुरोध गर्न सक्छन्। यी राज्यबाहिर बस्ने कामदारहरू, सैनिक जोडीहरू, गैर-आप्रवासी भिसामा कामदारहरू र ७०% वा सोभन्दा बढीको सेवा जडान असक्षमता मूल्याङ्कन भएका वेटरहरू हुन्। बारेमा थप जान्न कार्यक्रममा परिवर्तन, प्रमुख मितिहरू र के नियोक्ताहरू जान्नु आवश्यक छ। योगदानहरूले कसरी काम गर्छ WA Cares Fund भनेको तपाईंले कमाउनुभएको लाभ हो, जस्तै सामाजिक सुरक्षा, सबै वाशिंगटनवासीहरूले किफायती दीर्घकालीन हेरचाहमा पहुँच गर्न सक्ने सुनिश्चित गर्न। WA Cares Fund को लाभहरू पूर्णतया कार्यकर्ता प्रिमियमहरूद्वारा वित्त पोषित हुन्छन्। काम गर्दा प्रत्येक पेचेकबाट थोरै रकम योगदान गरेर, तपाईलाई आवश्यक पर्दा दीर्घकालीन हेरचाहको लागि भुक्तानी गर्न सक्नुहुन्छ। कामदारहरूले जुलाई 1, 2023 मा WA Cares कोषमा योगदान दिन थाल्नेछन्। तपाईंले काम गरिरहँदा मात्र WA Cares Fund मा योगदान गर्नुहुन्छ। तपाईंले सेवानिवृत्त हुने बित्तिकै, तपाईंले योगदान गर्न छोड्नुहुन्छ। त्यसै गरी, यदि तपाईं बेरोजगार हुनुभयो वा बच्चा वा अन्य प्रियजनको हेरचाह गर्न कार्यबल छोड्नुभयो भने, योगदानहरू रोकिन्छ। जसले योगदान गर्छ वाशिंगटनका लगभग सबै कामदारहरूले अंशकालिक र अस्थायी कामदारहरू सहित WA केयर कोषमा योगदान गर्नेछन्। त्यहाँ केही अपवादहरू छन्: - वाशिंगटनमा काम गर्ने संघीय कर्मचारीहरूले कार्यक्रममा योगदान गर्दैनन्। - कर्मचारीहरु आदिवासी व्यवसायहरू यदि जनजातिले रोजेको छ भने मात्र योगदान गर्नुहोस्। - स्वरोजगार भएका व्यक्तिहरूले गर्न सक्छन् अप्ट इन गर्न छनौट गर्नुहोस् र लाभ कमाउन। वैकल्पिक छुट भएका समूहहरू कामदारहरूको निश्चित समूहले जनवरी 1, 2023 देखि सुरु हुने कार्यक्रमबाट अप्ट आउट गर्न रोज्न सक्छन्। यी मध्ये केही वैकल्पिक छुटहरू कामदारको परिस्थितिमा आधारित हुन्छन्। यदि तिनीहरूको अवस्था परिवर्तन भयो र उनीहरूले छूट मापदण्ड पूरा गरेनन् भने यी छुटहरू भएका कामदारहरूले फेरि WA केयर कोषमा योगदान गर्न थाल्नेछन्। छूटको लागि योग्य कामदारहरू समावेश छन्: - कामदारहरू जसको स्थायी घर ठेगाना वाशिंगटन बाहिर छ - गैर-आप्रवासी भिसामा अस्थायी कामदारहरू - सक्रिय-कर्तव्य सैन्य सदस्यहरूको जोडी वा दर्ता घरेलु साझेदारहरू 70% वा उच्च सेवा-जडित असक्षमता भएका वेटरहरूले स्थायी रूपमा कार्यक्रम रोज्न सक्छन्, किनकि उनीहरूसँग VA मार्फत नर्सिङ होम हेरचाहमा केही पहुँच छ। यी कामदारहरूले किफायती दीर्घकालीन हेरचाह लाभहरूको पूर्ण दायरा पहुँच गर्न सक्छन् भन्ने सुनिश्चित गर्न WA केयर कोषमा भर्ना हुन सक्छन्। निजी बीमा छूट यदि तपाईंले नोभेम्बर 1, 2021 सम्ममा योग्य निजी दीर्घकालीन हेरचाह बीमा योजना खरिद गर्नुभयो भने, तपाईंले आवेदन दिन सक्नुहुन्छ। स्थायी छुट WA केयर कोषबाट। यस प्रकारको छुटको लागि आवेदन गर्ने अन्तिम मिति डिसेम्बर ३१, २०२२ हो। योगदान रकम तपाईंको योगदान अनुमान गर्नुहोस् वाशिंगटनका कामदारहरूले प्रति $ 0.58 कमाई $ 100 सम्म योगदान गर्नेछन्। उदाहरण को लागी, वाशिंगटन मा मध्य कार्यकर्ता प्रति वर्ष $ 52,075 कमाउँछ र प्रीमियम मा प्रति वर्ष $ 302 योगदान गर्नेछ। त्यो प्रति महिना $ 25 हो। आफ्नो योगदान अनुमान गर्न तलको क्यालकुलेटरमा आफ्नो वार्षिक सकल भुक्तानी प्रविष्ट गर्नुहोस्। कुल वार्षिक प्रिमियम: मासिक बराबर: साप्ताहिक बराबर: तपाईंको पैसाको लागि मूल्य कुनै अन्डरराइटिङ बिना र नाफा कमाउन आवश्यक पर्दैन, WA Cares Fund ले धेरैजसो निजी बीमा कम्पनीहरू भन्दा तपाईंले योगदान गर्ने हरेक डलरको लागि उच्च लाभ प्रदान गर्न सक्छ। तपाईंको योगदान एक समर्पित कोषमा जान्छ जुन यो कार्यक्रमको लागि मात्र प्रयोग गर्न सकिन्छ। लाभहरूको लागि योग्यता निश्चित वर्षको लागि योगदान गरेपछि, तपाईं WA Cares Fund लाभहरूको लागि योग्य हुनुहुनेछ। कभरेज प्रकारहरूको सारांश तपाईंले WA Cares Fund को लाभहरूको लागि योग्य हुन सक्ने तीनवटा तरिकाहरू छन्। लाभहरू कमाउनको लागि, तपाईंले प्रति वर्ष कम्तिमा 500 घण्टा काम गर्नुपर्छ (प्रति हप्ता लगभग 10 घण्टा) पूर्ण लाभ, प्रारम्भिक पहुँच WA केयर कोषमा तीन वर्षसम्म योगदान दिएपछि, तपाईंले अस्थायी कभरेज कमाउनुभएको छ। अस्थायी कभरेजले तपाईंलाई पहुँच दिन्छ पूर्ण लाभ रकम यदि तपाईंलाई काम गर्दा वा काम गर्न छोडेको छिट्टै हेरचाह चाहिन्छ। तपाईंले लाभहरूको लागि आवेदन गरेको मितिमा यी दुवै आवश्यकताहरू पूरा गर्नुहुन्छ भने तपाईं अस्थायी कभरेजको लागि योग्य हुनुहुन्छ: - पछिल्लो छ वर्ष मध्ये तीन को लागि योगदान - प्रति वर्ष कम्तिमा 500 घण्टा काम तपाईंले योग्य हुन लगातार तीन वर्ष काम गर्नुपर्दैन। जबसम्म तपाईंले विगत छ वर्ष भित्र तीन पूर्ण वर्षको लागि योगदान गर्नुभयो, तपाईं अस्थायी कभरेजको लागि योग्य हुनुहुनेछ। पूर्ण लाभ, आजीवन पहुँच तपाईंले आफ्नो जीवनको कुनै पनि विन्दुमा पाँच वा सोभन्दा बढी वर्षको विश्राम बिना 10 वर्षको लागि WA Cares Fund मा योगदान गरेर जीवनभर कभरेज कमाउनुहुन्छ। एकचोटि तपाईंले जीवनभर कभरेज कमाएपछि, तपाईं पहुँच गर्न सक्नुहुनेछ पूर्ण लाभ रकम तपाईको जीवनको कुनै पनि बिन्दुमा जब तपाईलाई हेरचाह चाहिन्छ। तपाईंले 10-वर्षको अंकमा पुग्नु अघि लगातार पाँच वा बढी वर्षको ब्रेकले जीवनभर कभरेज तर्फ तपाईंको प्रगति पुन: सुरु गर्छ। आंशिक लाभ, आजीवन पहुँच जनवरी 1, 1968 अघि जन्मेका र कम्तिमा एक वर्षको लागि WA केयर कोषमा योगदान गरेका व्यक्तिहरूले आंशिक लाभमा स्थायी पहुँच पाउनेछन्। प्रत्येक वर्षको लागि तपाईंले कम्तिमा 500 घण्टा काम गर्नुहुन्छ, तपाईंले पूर्ण लाभ रकमको 10% कमाउनुहुनेछ। उदाहरणका लागि, सेवानिवृत्त हुनु अघि चार वर्ष काम गर्ने व्यक्तिले लाभ रकमको 40% पहुँच गर्न सक्षम हुनेछ। यस प्रकारको कभरेज सेवानिवृत्ति नजिकका मानिसहरूलाई सुनिश्चित गर्नको लागि सिर्जना गरिएको थियो जब WA Cares Fund लन्चहरूले थप 10 वर्ष काम नगरी केही स्थायी लाभहरू कमाउन सक्छन्। जनवरी 1, 1968 मा वा पछि जन्मेका मानिसहरू यस प्रकारको कभरेजको लागि योग्य हुन सक्दैनन्। तपाईलाई हेरचाहको आवश्यकता परेको समयमा तपाईको अवस्थाको आधारमा, तपाईले आंशिक र अस्थायी दुबै कभरेजको लागि योग्यताहरू पूरा गर्न सक्नुहुन्छ। जबसम्म तपाइँ अस्थायी कभरेजको लागि योग्यताहरू पूरा गर्नुहुन्छ, तपाइँ पूर्ण लाभ रकम पहुँच गर्न सक्नुहुन्छ। एकचोटि तपाईंले अस्थायी कभरेजको लागि योग्य नहुनुभएपछि, तपाईं अझै पनि तपाईंले कमाएको आंशिक लाभ पहुँच गर्न सक्षम हुनुहुनेछ। लाभहरूको लागि योग्यता तपाईंले आर्जन गर्नुभएको लाभहरू प्रयोग गर्न, तपाईंलाई दैनिक जीवनका गतिविधिहरूमा मद्दत चाहिन्छ। योग्यता आवश्यकताहरू र बारे थप जान्नुहोस् लाभहरूको लागि आवेदन गर्दै.