Long-Term Services and Supports (LTSS)

LTSS

Long-Term Services and Supports (LTSS) Trust Act

The Washington State Legislature established a long-term care insurance benefit for all eligible Washington employees, funded through a payroll premium.  The Long-Term Services and Supports (LTSS) Trust act has placed our state as the first in the nation to take such a bold step toward addressing the future long-term care crisis.

Under this law, individuals will have access to a lifetime benefit amount that will be adjusted annually in order to maintain purchasing power over time. Beginning January 2022, Washington workers will pay up to $0.58 per $100 of earnings.  Each person who is eligible to receive the benefit can access services and supports costing up to $36,500.  The benefit will launch in January 2025 and 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. 

Self-employed individuals can opt-in to the trust to receive the benefits and those who have long-term care private insurance can opt-out of the trust.

LTSS Trust Act Timeline

2019 – Governor Inslee signs 2SHB 1087 into law.

2022 – Working Washingtonians begin paying premiums.

2025 – Benefits begin for qualified beneficiaries.

Why the LTSS Trust is Important

  • 7 in 10 Washingtonians over the age of 65 will need long-term services and supports within their lifetimes.
  • Seniors without long-term care insurance must rely on family members or Medicaid to provide care.
  • To pay for long-term care, many people must spend down their savings to qualify for financial support.
  • Family caregivers who leave the workforce to provide unpaid long-term services and supports lose their own income and health and retirement benefits.

What the Law Will Do

The Benefit:

Beginning January 2025, each person who is eligible to receive the benefit can access services and supports costing up to $36,500.

The nominal value of this benefit will increase over time to maintain purchasing power.

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 up to $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 receive the benefit, you must have worked:
    • At least three of the last six years or ten years without a break of five or more years
    • At least 500 hours per year during those years, and
    • 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.  

Contact Us

Trust chat Benjamin Veghte
LTSS Trust Director
Benjamin.veghte@dshs.wa.gov
Phone: (360) 338-5736 

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