Washingtonians for a Responsible Future

Lawmakers push payroll tax for long-term care insurance plan

(AP)

Experts say 60 percent of us will need long-term care or support of some sort after we hit 65.

The problem? Not a lot of us plan for it.

That’s why Democratic State Rep. Laurie Jinkins has introduced the Long Term Care Trust Act, which she says would work similarly to unemployment.

“What we do is create, essentially an insurance program where folks pay a premium of 0.58 of a percent, so 58 cents of every hundred dollars they earn would go into the trust. In return, any time they needed long-term care they’d be able to draw on that,” Jinkins explained.

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Long-term care benefit bill receives all supportive testimony in hearing

Long-term care benefit bill receives all supportive testimony in hearing

The House Health & Wellness Committee today heard a line-up of supportive public testimony on House Bill 1087, also known as the Long-Term Care Trust Act. The bipartisan bill would establish a public long-term care benefit that Washington workers would pay into, and eventually be able to benefit from should they have difficulty completing the tasks of daily life.Here’s how it works: Starting in 2022, if you’re a Washingtonian working at least 10 percent of full-time, you pay 0.58 percent of your wages into the trust program. Once you meet minimum qualifications for the amount of time you’ve paid in, you’re eligible to claim benefits. Eligible, that is, if the Department of Social and Health Services (DSHS) determines you need help with at least three activities in daily life (eating, bathing, cooking, etc.). Starting in 2023, self-employed people could elect to pay in.

An eligible person could use up to $36,500 total in benefits over their lifetime, in “benefit units” of $100, toward services and supports provided by a qualified caregiver. Examples that could qualify include: skilled nursing care, meal preparation, meal delivery, environmental modifications (e.g. building a wheelchair ramp), adult family homes, and home health services.

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Harrop: Too few of us are prepared for costs of elder care

Harrop: Too few of us are prepared for costs of elder care

Even as many are caring for elderly parents, few have the savings necessary for their own care.

Tuesday, December 11, 2018 1:30am

By Froma Harrop

It often starts off easy. For me it did. An elderly friend needed some help with food shopping and dealing with the cable company. He has no family to speak of, and his close friends have died. Pushing 90, his thinking had obviously slowed, but he could still shave, bathe and dress.

So I volunteered to run some errands. No big deal. I’d drive him to doctors’ appointments and pick up drugs. When he was diagnosed with multiple myeloma, I started taking him to the cancer center for infusions.

But as his three prescriptions swelled to seven prescriptions (he also has heart issues), he needed someone to manage the medications. That became me. I was soon tracking them, ordering refills and filling the pill organizer. My friend now swallows 77 pills a week, on top of the cancer infusions.As time has moved on, the demands have grown. My friend currently suffers periodic bouts of confusion, diarrhea, serious pain and fatigue. Is it the cancer? Is it the meds? Age?

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One State’s Quest to Introduce Long-Term Care Benefits

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Care for all families & aging loved ones with the Long-Term Care Trust Act

 

 

 

State should help seniors get long-term care without going broke

February 11, 2018 01:22 PM

Updated February 11, 2018 07:08 PM

As the owner of two adult family homes, I meet people on a regular basis who are unprepared when entering the long-term care system.

They don’t come to us because of their best-laid plans; they show up when there is a crisis.

An example of a common family experience is when Mom might have a stroke or other diagnosis that impacts her independence. Maybe she is seen in the hospital and then referred to a skilled nursing facility for rehabilitation.

Once rehabilitation is done, Mom may not be able go back home alone. The changes in her independence make home an unsafe discharge. Her only daughter is the mother of three young children, and works full time, so it’s not an option for Mom to live with her daughter.

Most families are not sure what options are available. Can they hire a caregiver full time so that Mom can stay at home? A 24-hour caregiver is about $648 per day in our state.

Adult family homes are a great choice, but even with our low rates, people struggle to find options that work for them.

Once they learn about options they are often shocked to find that Medicare or other health insurance does not cover the costs of long-term care.

Very few families have saved for this possible need, and most Washingtonians over 65 will eventually need long-term care services.

The aging population across the state is set to double by 2030, and the percentage of family members available to provide caregiving support is projected to decline dramatically, leaving Washington facing an impending long-term care financing crisis.

The Long-Term Care Trust Act is an important part of the answer to this growing challenge for families, and our state.

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Editorial: Act would help solve looming elder care crisis

The Everett Herald

As our society ages, we have to make a provision for family members’ and our own long-term care.

Tuesday, January 16, 2018 8:32am

OPINION IN OUR VIEW

By The Herald Editorial Board

One of the bipartisan success stories from last year’s legislative session was the passage of a long-sought paid-family leave law that put Washington state among only five states with such a law.

The legislation provides workers with up to 12 weeks of paid leave for the birth or adoption of a child or a worker’s or family member’s serious medical issue. Modest payments to workers on leave will be supported through payroll deductions, paid by employees and employers, that begin next year Jan. 1.

The state actually had a family leave law on the books since 2007, but the Legislature had never agreed to a funding mechanism. That changed last year, through bipartisan action.

The paid family leave law recognized the importance of work and family, helping families meet expenses when time away from work was necessary, while helping employers retain valued employees.

Lawmakers again, in addressing an issue that almost all families face, now has legislation before them that offers a similar solution.

According to a fact sheet prepared by Washingtonians for a Responsible Future, about 7 in 10 Americans, 65 or older, will need long-term care services, such as in-home or nursing home care, during their lifetimes. But neither Medicare, nor most health insurance plans provide for long-term care, which can include help with bathing, dressing, eating and hygiene. Care is available through Medicaid, but individuals must impoverish themselves to be eligible.

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Easing the Burden on Caregivers

New York Times

By Maureen Towey

Washington has been a leader in long-term care for many years. In 2017, it was ranked first in the quality and execution of long-term care in a study commissioned by AARP and several partner organizations. Representative Laurie Jinkins, a Democrat, and Representative Norm Johnson, a Republican, introduced a bill last winter called the Long-Term Care Trust Act, which would provide universal long-term care in the state. Everyone would contribute through a payroll deduction, and everyone would be guaranteed a long-term benefit if needed. The program would provide $100 a day to support caregiving across a range of care situations including at-home care, assisted living and nursing homes. Washingtonians have a strong track record of passing legislation on a similar model, including universal paid family leave in 2017 and universal paid sick leave in 2016. The bill is expected to be reintroduced in early 2018.

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Your Story, Your Power

This short video works to capture our collective experiences as family caregivers. For others to fully understand what happens when we care for our aging loved ones, they need to hear firsthand from us about the hard work and love that goes into being a family caregiver.    

This year we are going to introduce a piece of legislation that tells our state lawmakers that it is time to put the cost of long-term supports and services on their agenda. But in order for this to happen, they need to hear from you.

No matter how long-term services and supports has impacted your life, your story matters. Whether you help your aging loved ones full time and have left work or if you spend a few hours a week helping with doctors appointments you are a family caregiver and your story matters! If you have spent down your life savings to afford long-term supports and services, your story matters. Now is the time to share your story!

Who Will Provide Care for Childless Boomers?

Next AvenueHealth & Wellbeing:

The last piece of real estate Pam and Bruce Boyer purchased together was more than 20 years ago: adjoining plots in the cemetery across the street from their home in historic Bethlehem, Pa.

“We chose a place we really like. We walk there – it’s like a park in London,” says Pam Boyer, 68, a retired magazine researcher whose husband is a freelance writer. “We got it taken care of early before it seemed morbid – or too homey,” she adds with a laugh.

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