Washington now 1st state with long-term care program

Print Article

OLYMPIA, Wash. (AP) — Washington is the first state in the nation to establish a program to help offset the costs of long-term care, under a new law signed Monday by Gov. Jay Inslee.

Starting in 2025, the program promises a benefit for those who pay into the program, with a lifetime maximum of $36,500 per person, indexed to inflation, paid for by an employee payroll premium.

Inslee, surrounded by a large group of lawmakers and advocates of the measure, called it a “win for all Washington workers.”

“This benefit will be available for those who need it when the time comes to face the fact that daily living presents some challenges, and you need just a little help,” he said before signing the measure. “This is going to make sure that help is there without bankrupting your family.”

Under the new law, premiums of 0.58% of wages will start being collected from employees by 2022. Starting Jan. 1, 2025, people who need assistance with at least three “activities of daily living” such as bathing, dressing or taking medication could tap into the fund to pay for things like in-home care, home modifications like a wheelchair ramp and rides to the doctor.

To be eligible, workers will have had to have paid the premium working at least 500 hours per year for three of the previous six years in which they’re seeking the benefit or for a total of 10 years, with at least five of those paid without interruption.

According to AARP of Washington, 70% of residents 65 and older will require some type of assistance to live independently.

Only an estimated 7 million to 8 million Americans have private long-term care insurance, which is costly and generally requires applicants to pass a health screening. Many assume that Medicare covers long-term care, but that’s not the case except for limited care for skilled nursing or rehabilitation. Qualifying for public coverage under Medicaid, which covers low-income people, involves spending down lifetime savings.

Democratic Sen. Guy Palumbo said that the bill is “not only the morally right thing to do, but it’s also fiscally responsible for the state of Washington.”

“Rather than making people buy their way down into poverty, we’re trying to do the right thing to make sure they can age with dignity,” he said.

Washington isn’t the only state that has contemplated long-term care, but it moved the fastest on creating a defined insurance policy.

Hawaii has adopted a public cash benefit for caregivers of the elderly. California is considering a ballot initiative on a public long-term care financing program.

Under the new law, premiums of 0.58% of wages will start being collected from employees by 2022. Starting Jan. 1, 2025, people who need assistance with at least three “activities of daily living” such as bathing, dressing or taking medication could tap into the fund to pay for things like in-home care, home modifications like a wheelchair ramp and rides to the doctor.

To be eligible, workers will have had to have paid the premium working at least 500 hours per year for three of the previous six years in which they’re seeking the benefit or for a total of 10 years, with at least five of those paid without interruption.

According to AARP of Washington, 70% of residents 65 and older will require some type of assistance to live independently.

Only an estimated 7 million to 8 million Americans have private long-term care insurance, which is costly and generally requires applicants to pass a health screening. Many assume that Medicare covers long-term care, but that’s not the case except for limited care for skilled nursing or rehabilitation. Qualifying for public coverage under Medicaid, which covers low-income people, involves spending down lifetime savings.

Democratic Sen. Guy Palumbo said that the bill is “not only the morally right thing to do, but it’s also fiscally responsible for the state of Washington.”

“Rather than making people buy their way down into poverty, we’re trying to do the right thing to make sure they can age with dignity,” he said.

Washington isn’t the only state that has contemplated long-term care, but it moved the fastest on creating a defined insurance policy.

Hawaii has adopted a public cash benefit for caregivers of the elderly. California is considering a ballot initiative on a public long-term care financing program.

Print Article

Read More

Duterte's allies dominate Senate race, shut out opposition

AP

May 21, 2019 at 10:33 pm | MANILA, Philippines (AP) — The Philippine president's allies won a majority of the 12 Senate seats at stake in the midterm elections, official results showed Wednesday, while the opposition's shutout...

Comments

Read More

Alaska air carrier suspends operations after 2nd crash

AP

May 21, 2019 at 10:33 pm | ANCHORAGE, Alaska (AP) — An Alaska air carrier involved in two deadly floatplane crashes in a week has voluntarily suspended operations, federal officials said Tuesday. The halt of flightseeing a...

Comments

Read More

Protesters clash with Indonesian police after election loss

AP

May 21, 2019 at 10:17 pm | JAKARTA, Indonesia (AP) — Supporters of an unsuccessful presidential candidate clashed with security forces in the Indonesian capital on Wednesday, burning vehicles and throwing rocks at police, whic...

Comments

Read More

WA Current Conditions

AP

May 21, 2019 at 10:00 pm | WA Current Conditions as of 10:00 PM PDT Tuesday, May 21, 2019 _____ City/Town;Weather Condition;Temp (F);Wind Direction;Wind Speed (MPH);Humidity (%) Arlington;Mostly cloudy;58;NW;3;77% ...

Comments

Read More

Contact Us

(509) 765-4561
PO Box 910
Moses Lake, WA 98837

©2019 Columbia Basin Herald Terms of Use Privacy Policy
X
X