Long-Term Services and Supports (LTSS)

LTSS

Long-Term Services and Supports (LTSS) Trust Act

In 2019 the state enacted a long-term care insurance benefit for all eligible Washingtonians, funded by worker contributions into a Trust Fund.  The Long-Term Services and Supports (LTSS) Trust Act is the first of its kind in the United States and is the latest example of the state’s standing as a national leader in long-term care policy. The LTSS Trust both protects our workers against the economic and social risks of needing long-term care as they age and better positions the state to cope with the fiscal and economic costs of the coming age wave and long-term care challenge.

Under this law, individuals will have access to a lifetime benefit of $36,500 that will be adjusted annually for inflation. Beginning in January 2022, workers will pay $0.58 per $100 of earnings. Beginning in January 2025, workers who have vested in the Trust and need long-term care will be able to access their earned LTSS Trust benefits. These benefits can be used for a range of services and supports, including:

  • professional care at home, licensed residential or nursing facilities
  • home safety evaluations
  • home-delivered meals
  • training, pay and support for family members who provide care
  • rides to the doctor
  • adaptive equipment and technology like wheelchair ramps and medication reminder devices. 

LTSS Trust Act Timeline

2019 – Governor Inslee signed 2SHB 1087 into law.

2022 – Working Washingtonians begin paying premiums.

2025 – Benefits begin for qualified beneficiaries needing long-term care.

Why the LTSS Trust is Important

  • 7 in 10 Washingtonians who turn 65 today will need long-term services and supports within their lifetimes.
  • The vast majority of seniors today must rely on family members or Medicaid to provide care.
  • To access Medicaid long-term care, people must spend down their life savings and impoverish themselves to qualify for financial support.
  • Family caregivers who leave the workforce to provide unpaid long-term services and supports forgo their own income and lose critical health and retirement benefits.

What the Law Will Do

The Benefit:

Beginning January 2025, each person who is eligible to receive the benefit will be able to access services and supports worth up to $36,500 over their lifetimes.

The nominal value of this benefit will increase over time to keep pace with inflation.

The benefit will be available to be used for a range of services and supports, including:

  • Professional care in your home, a licensed residential facility or a nursing facility
  • Adaptive equipment and technology like wheelchair ramps and medication reminder devices
  • Home safety evaluations
  • Training, pay and support for family members who provide care
  • Home-delivered meals
  • Care transition coordination
  • Memory Care
  • Environmental modification
  • Personal emergency response system
  • Respite for family caregivers
  • Transportation
  • Dementia supports
  • Education and consultation
  • Eligible relative care
  • Services that assist paid and unpaid family members caring for eligible individuals
  • In-home personal care
  • Assisted living services

Trust Contributions: 

  • Washington workers will pay $0.58 per $100 of earnings.
  • Every employee contributes – employers do not.
  • If you are self-employed, you can opt-in to the Trust.

Vesting in the LTSS Trust:

  • To vest in the Trust, you must have worked:
    • At least ten years without a break of five or more years, or
    • Three of the last six years
    • and at least 500 hours per year during those years.
  • To be eligible for benefits, you must need assistance with at least three activities of daily living such as:
    • Medication management
    • Personal Hygiene
    • Eating
    • Toileting
    • Cognitive Impairment
    • Transfer Assistance
    • Body Care
    • Bathing
    • Ambulation/Mobility
    • Dressing

Download the LTSS Trust Informational One-Pager here.

Contact Us

Trust chatBenjamin Veghte, Ph.D
LTSS Trust Director
Benjamin.veghte@dshs.wa.gov
Phone: (360) 338-5736 

LTSS Trust programEmail Notifications

Get the latest updates about LTSS Trust program in ALTSA through the GovDelivery email newsletter.