Long-term care goes beyond medical care and nursing care to include the assistance you could need if you ever have a chronic illness or disability that leaves you unable to care for yourself for an extended period of time.

At KMi, we are dedicated to helping you navigate the complicated and changing environment related to long-term care. We will begin with the basics and then move to breaking down how long-term care insurance (LTC) works, if you will qualify, and what the costs will likely be if you do.

While we represent all of the major insurance carriers, the LTC market in Washington State has shifted significantly and essentially collapsed. There currently aren’t any private carries accepting applications for individuals. There are some carriers accepting applications for employers depending on the number of benefit eligible employees, but we don’t know if this will continue. Carriers have continued to monitor the risk environment created by the WA Cares Fund, and while they are committed to offering LTC products, the significant increase in volume has exceeded their capacity for processing before the November 1st deadline for the opt out exemption under the WA Cares Fund payroll tax. We will likely see carriers resume sales of LTC in WA after the deadline has passed, and will update our website accordingly.