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A young family of three sits and plays on their floor. Dani, an advocate for WA Cares, sits on the floor with her legs folded. She is white skin and has long curly brown hair and a pink shirt, and is smiling. She is holding her son in her lap, who in sitting on the floor with his legs out straight. He is a white boy aged around 6. To the left is Dani's husband, a white man with glasses and short brown curly hair and a beard. He is playing with a stuffed animal on his son's foot. Behind them is a table with a blue lamp and a stack of books.

The WA Cares Fund Will Provide Affordable Long-Term And Home Care Benefits To More Than 3 Million Washingtonians

WA Cares Fund Benefits And Contribution Amount: Calculate Your Benefits

Find out how WA Cares stacks up against private insurance or Medicare for long-term care. With WA Cares, we contribute only when we’re working, and are vested after contributing for 10 years. If you’re close to retirement, you can receive benefits even if you work for just 1 more year. And even if you’re working part-time (as little as 10 hrs/week on average). 

Our benefit is available whenever we need it, and grows with inflation. Calculate your contribution and find more WA Cares Fund benefit amounts using the Benefit Calculator below:

Download The WA Cares Fund Report

Compare WA Cares Fund To Other Long-Term Care Options

Other Long-Term Care Options

WA Cares Fund

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Home care and nursing home stays are not covered by health insurance, disability, workers comp, or Medicare.

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The WA Cares Fund benefits cover both home care and nursing home stays.

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Medicaid will only cover home care or nursing home stays after we spend through most of our savings and assets – down to $2,000 or less.

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The WA Cares fund lets us access our benefits with no effect on our savings.

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Private long-term care insurance costs thousands of dollars per year, and premiums raise with age.

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WA Cares is a small portion of our paycheck – 0.58% for every $100. Contributions will not rise with age.

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Private long-term care insurance charges women more than men. [source]

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WA Cares Fund Benefits are the same price for men and women

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Private long-term care insurance denies coverage to people with pre-existing conditions

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WA Cares Fund Benefits cover all working Washingtonians, including those with pre-existing conditions. No exceptions.

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Lifetime premiums of the average private insurance would be $70,140 if you need long-term care at age 85.

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WA Cares premiums scale to your income, and payments end when you retire.

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Private insurance requires applications and medical exams.

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The WA Cares Fund has no exams or medical applications. We’re already approved by working in Washington.

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Private insurance will cancel our coverage with no refund due to missed payments.

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WA Cares has no penalties for unemployment and won’t change coverage amounts.

Hear from Working Washingtonians Like Anthony, And How The WA Cares Act Will Give Him Lupus Support

The WA Cares Act ensures that working Washingtonians have access to affordable long-term care insurance, so we can get the care we need, when we need it. Learn about how people with pre-existing conditions like Anthony will have Lupus support.

A Black man named Anthony, an advocate for WA Cares, smiles at the camera. He is wearing a black polo shirt and a jean apron. He is standing in a kitchen with modern appliances and flowers behind him.

Learn More About The WA Cares Fund:  

The WA Cares Fund Is There For Working Washingtonians

Three friends in their 30s sit on a bench outside and talk. On the left is a Black male-presenting person with short black hair with blond highlights. He is sitting in a wheelchair, holding a pink beverage in his left hand and gesturing with his right. In the middle is a white female-presenting person with long brown hair, her hands folded in her lap. On the right is a light-skinned female-presenting person with a head scarf and glasses. She is holding a coffee in her left hand and has white nail polish. They are smiling and looking at the man who is talking.

The WA Cares Fund Is The Best Long-Term Care Coverage

A light skinned female-presenting person in her 30s smiles on a brown couch and holds a smart phone. She is leaning on a light skinned male-presenting man in his 60s, with her right hand on his arm. The man has grey hair and beard and is wearing glasses, and holds a laptop in his lap. He is also smiling. Behind them are plants and a window with daylight coming in.

The WA Cares Fund Boosts The Economy

A light skinned female-presenting person in her 50s sits in a wheelchair in her house, looking at the camera and smiling. She has black hair and is wearing a white shirt. She is holding hands with a home care aide who sits across from her on her couch. The female-presenting health care aide is in her thirties with black hair in a pony tail. She is wearing sleeveless blue scrubs with a stethoscope around her neck. She is looking at the camera and smiling.