Washington State Sets New Rules for Supplemental Long-Term Care Insurance

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What Residents Should Know

  • The rules take effect March 7, 2026.

  • Supplemental policies only pay after WA Cares benefits are exhausted.

  • Policies must cover qualified family members and provide inflation protection.

  • Applicants will receive a dedicated Consumer Guide to help understand coverage.

  • Insurance producers must follow strict best-interest standards.

These measures aim to protect Washington residents from rising long-term care costs and provide clear guidance for both insurers and consumers.