For Washington professionals
Did you buy long-term care coverage during the 2021 Washington rush?
Use the 2026–2028 decision window as a reason to review what you own, how it relates to WA Cares, and whether your protection strategy still fits.
Physicians, dentists, PhD and research professionals, executives, business owners, and other Washington professionals who bought quickly under deadline pressure are often the ones who never read what they signed.
- An educational review of the policy you already own — no replacement agenda.
- Plain explanation of how the WA Cares program and private coverage relate, with program questions pointed back to the official source.
- A look at how life, long-term care, and disability income coverage layer together.
Educational only. Not legal, tax, or individualized financial advice, and not an offer or application. Sarah is not a WA Cares or Washington state representative; confirm exemption and rescission questions with the official program. Availability and eligibility are confirmed during the conversation.
A review, not a sales appointment.
The policy you own
Carrier, policy type, benefit pool, elimination period, inflation option, home care, riders, and premium history.
The full review checklistThe program question
How the WA Cares rescission window under WAC 192-905-009 works, and why it is decided separately from anything you do with a policy.
The 2026–2028 windowThe rest of the plan
How life insurance, long-term care coverage, and disability income protection layer together for high-income professionals.
The three-layer frameworkReviewed September 11, 2026.
Before you send the form.
Washington Cares & private long-term care.
WA Cares 2026–2028 rescission window
What WAC 192-905-009 opened for people who received a permanent private-insurance exemption — and what did not reopen.
Reviewing a policy bought in the 2021 rush
A line-by-line review checklist for coverage purchased quickly to meet the original 2021 deadline.
Washington's supplemental LTC rules (May 1, 2026)
How Chapter 48.212 RCW defines supplemental long-term care coverage, and why existing policies may not meet that definition.
Coordinating life, LTC, and disability income
Coordinated, yes. One policy, usually no. A three-layer framework and what may or may not combine.
Read the official material directly.
- WAC 192-905-009 — Rescinding an approved long-term services and supports exemption
- RCW 50B.04.085 — Exemptions (private long-term care insurance and other categories)
- RCW 50B.04.080 — Benefit eligibility and qualification
- RCW 50B.04.060 — Premium assessment and collection
- Chapter 48.212 RCW — Supplemental long-term care insurance
- Washington Office of the Insurance Commissioner — Supplemental long-term care insurance
- WA Cares Fund — How it works (official program site)
This article is educational and general in nature. It is not legal, tax, or individualized financial advice, and it is not an offer, application, or recommendation for any insurance product. Eligibility, exemption, rescission, and benefit questions about WA Cares should be confirmed with the official WA Cares Fund program and the Washington Employment Security Department. Insurance decisions require individual review, and availability, cost, underwriting, and policy terms vary by person and by contract. Sarah Elizabeth DePover is a Financial Advisor with Northwestern Mutual and is not a representative of, or affiliated with, the WA Cares Fund or any Washington state agency. Full disclosures.