WA Cares Fund
WA Cares Fund
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WA Cares is a state-run public long-term care insurance program. Most Washington workers contribute automatically through payroll deductions (premiums began July 1, 2023). Self-employed workers can opt in. When a participant needs long-term care, they apply for benefits and a WA Cares team member assesses care needs in person or by phone. Benefits begin July 2026 and cover a wide range of in-home and residential LTC services up to a lifetime cap. Participants who currently have an approved WA Cares exemption cannot qualify for benefits.
Who qualifies
What it covers
Cost
How to apply
Where to get this in Washington
6 organizations deliver this program. Coverage varies, so check the area each one serves.
East Wenatchee, Adams County
Free public agency that helps older adults and people with disabilities in central Washington find in-home care, caregiver support, nutrition, transportation, and benefits help.
Vancouver, Clark County
Free public AAA for the Vancouver/Longview area covering five counties; one stop for caregiver assistance, dementia resources, in-home help, kinship care, Medicare counseling, and WA Cares Fund support.
Olympia, Lewis County
Three-county AAA for Lewis, Mason, and Thurston counties offering caregiver support, in-home services, nutrition, and the Senior Farmers Market produce benefit.
Bellingham, Island County
AAA for Whatcom, Skagit, Island, and San Juan counties. Helps older adults, adults with disabilities, and family caregivers navigate aging and disability services since 1971.
Aberdeen, Clallam County
AAA covering the Olympic Peninsula and southwest Washington coast; offers information & assistance, caregiver support, nutrition, transportation, and Medicaid case management for seniors and adults with disabilities.
Everett, Snohomish County
Snohomish County's AAA. Partners with Homage to deliver caregiver support, nutrition, kinship care, transportation, and Medicaid in-home services.
Where to go from here
Adult Day Center
Adult day centers are daytime programs for adults who need some level of supervision and care but not skilled nursing or rehabilitative therapy. Services typically include personal care, social activities, education, routine health monitoring, therapeutic activities, meals and snacks, transportation coordination, first aid, and emergency care.
Adult Day Health
Adult day health is a daytime program for adults who need skilled nursing care or licensed rehabilitative therapy. Centers provide skilled nursing services, physical/occupational/speech-language therapy, brief psychological or counseling services, plus the personal care, meals, social activities, and health monitoring offered at adult day centers.
Apple Health Classic Medicaid (SSI-related / Aged, Blind, Disabled)
"Apple Health" is Washington's name for all of its state medical assistance programs, including Medicaid. "Classic Medicaid" is the part of Apple Health for people who are 65 or older, blind, disabled, or who need long-term care. These programs count your income the same way Supplemental Security Income (SSI) does, rather than using the tax-based rules that apply to younger adults and families. The state Health Care Authority runs most Apple Health programs. The Department of Social and Health Services (DSHS) runs SSI-related coverage, the state-funded Medical Care Services program, and the Medicare Savings Programs that help pay Medicare costs. If you have both Medicare and Apple Health, Apple Health acts as your second layer of coverage and picks up costs Medicare does not, such as deductibles, copays, hearing aids, and dental. It can also pay for long-term care.
Apple Health for Workers with Disabilities (HWD)
Apple Health for Workers with Disabilities lets working adults age 16 or older who are blind or disabled buy into Medicaid. It provides full Apple Health coverage. Unlike most disability-based Medicaid, it has no asset test and no upper income limit. You qualify based on your disability (using the federal disability rules) and being employed, full or part time, including self-employment. You pay a monthly premium that goes up with income but never goes above 7.5% of your total income. American Indians and Alaska Natives pay no premium. While you are enrolled, you can put earnings into a separate designated account that will not count toward your eligibility for other Medicaid programs.
Not sure this one fits your situation? Your local Area Agency on Aging can check what you qualify for and point you to the right programs, for free. No one will sell your information, and no one will cold-call you.
Source wacaresfund.wa.gov/
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