Learn about the new WA Cares Fund long-term care insurance benefit and how it impacts you and your employees.
Effective July 1, 2023, you’re required to start collecting employee premiums. The Long-Term Services and Supports Trust Program helps provide long-term care insurance to Washington employees.
The WA Cares Fund tax rate is 0.58% for employees. There isn’t an employer premium under the law.
Choose your option to set up WA Cares Fund
- My employees will pay the premium
- My business will pay the premiums on behalf of our employees
- My business or employee has an exemption waiver from WA Cares Fund
- Apply for an exemption
|Note: Not sure which payroll service you have? Here's how to find your payroll service.|
My employees will pay the premium
My business will pay the premiums on behalf of our employees
My business or employee has an exemption waiver from WA Cares Fund
If your business or any of your employees were approved for an exemption from WA Cares coverage, you can exempt your employees.
Apply for an exemption
Employer: The agency isn’t accepting applications for exemptions from employers who wish to purchase a private insurance plan.
Employees: Certain employees in Washington who aren’t expected to use their WA Cares benefits in the future may be eligible for exemptions.
Beginning Jan. 1, 2023, Washington workers can be eligible for exemptions from WA Cares if they:
- Live outside of Washington.
- Are the spouse or registered domestic partner of an active-duty service member of the United States armed forces.
- Have non-immigrant work visas.
- Are veterans with a 70% service-connected disability rating or higher.
ESD will process all WA Cares Fund exemption applications sent in by June 1, 2023, before premiums take effect in July. For more information, visit wacares.wa.gov/exemptions.
What to Expect:
ESD will review the application and notify your employee.
If the application is approved
Your employee will get an exemption approval letter from ESD, and will be:
- Removed from the program with no option to re-enroll.
- Disqualified from accessing WA Cares benefits in their lifetime.
- Required to give the exemption approval letter to all current and future employers. If you don’t, employers will withhold non-refundable WA Cares premiums.
Exemptions will take effect the quarter after your application is approved.