Washington state has finalized new rules governing supplemental long-term care insurance under the WA Cares program, creating a clearer framework for insurers and better protections for residents. These rules, which go into effect on March 7, 2026, outline how supplemental policies interact with WA Cares benefits and set standards for coverage, eligibility, and consumer protections.
What Are Supplemental Long-Term Care Policies?
Supplemental long-term care insurance provides coverage after WA Cares benefits are used up. This ensures that residents who require extended care, such as in-home support or nursing facility services, are not left with uncovered costs. The new rules clarify which services qualify and define how policies must be structured.
Key Changes and Updates
The Washington Office of the Insurance Commissioner (OIC), led by Patty Kuderer, updated the administrative code to improve clarity, align language with existing laws, and address gaps in earlier proposals. Some of the major updates include:
