Blog Posts

For decades, employee benefits have largely fallen into one of two categories: benefits sponsored by employers or programs administered by government. WA Cares introduces a different way of thinking. Rather than replacing private insurance or expecting employers to solve the long-term care challenge alone, Washington has established a public foundation that can be enhanced through private solutions.

Five Questions Every HR Director Should Ask About WA Cares Supplemental Benefits Every emerging benefit creates questions. That's healthy. Before considering any new voluntary benefit, HR leaders should evaluate how it fits within their broader employee benefits philosophy and workforce needs. Here are five questions worth asking. 1. Does this solve a real employee need? Long-term care planning affects nearly every employee eventually—either personally or as a caregiver. The

Long-term care is often viewed as a retirement issue but across the country, millions of employees balance full-time jobs while caring for aging parents, spouses, or other loved ones.

Many employees spend years preparing for retirement. They contribute to 401(k) plans, build emergency savings, and carefully plan future income. Yet one of the largest potential expenses in retirement often receives surprisingly little attention: long-term care. Unlike many financial risks, long-term care costs are difficult to predict.

If you’re evaluating voluntary benefits in Washington, supplementing WA cares benefits should be on your radar.

From an employee perspective, WA Cares is a starting point—not a full plan. What I’m hearing more often: “I’m glad I have something… but I don’t think it’s enough.”

There’s a window right now in Washington. Employees are aware. They’re asking questions. They’re trying to understand their WA Cares benefit and how SPLTCI can help.

We’re not seeing a revival of traditional LTC insurance. We’re seeing something new. A supplemental LTC market built specifically around WA Cares.

The gap between WA Cares and real long term care costs can be significant. Learn more about supplementing with SPLTCI.