Resources

If you’ve lived and worked in Washington, chances are you’ve seen “WA Cares” mentioned in your paystub or the news. WA Cares is the country’s first state-run long-term care insurance program. Since July 2023, employees in Washington contribute 0.58% of their wages –...

In 2025, here’s what full-time care looks like in Washington: Assisted Living: $5,750/month In-Home Care: $6,300/month Nursing Home (Private Room): $10,200/month That’s up to $123,000 per year — and prices continue to rise. What’s the problem? Medicare doesn’t cover...

Traditional long-term care insurance typically means: Monthly or annual premiums Rate hikes as you age Use-it-or-lose-it: no refund if you don’t need care Annuity-based plans work differently — especially if you already have an annuity you’re not using. Here’s how...

Without a plan, a long-term care event can mean: Selling your home Depleting your IRA Leaving nothing for your spouse or heirs Medicaid only helps after you’ve spent down nearly everything. And Medicare doesn’t cover long-term care. The smart move?Use what you’ve...

Hesitant to buy long-term care coverage because you might not need it? Here’s how today’s plans protect both your health and your wealth – with nothing wasted. It’s a fair question: “What if I never need long-term care?” Traditional LTC insurance doesn’t refund unused...

Did you know your IRA or 401(k) could fund your future care? This strategy is surprisingly simple. Many retirees assume their IRA can only be used for retirement income. But there’s a smarter play: you can convert all or a portion of your IRA or 401(k) into a special...