One can get insurance for less than 25 USD/month, eg https://www.reddit.com/r/Washington/comments/112ejat/whats_the_cheapest_longterm_care_insurance_that/j8kayl0

Nice, thanks!

I have Chubb and it costs me $8 per pay period (biweekly)

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thanks, how much is it?

Got it, thanks!

When I shopped around State Farm was the cheapest for me.

If the law changes, you might find yourself without a valid exemption, as you won't have a policy purchased before 2021. It's a gamble.

Depending on how much you earn, it is likely cheaper just to stick with the WA Cares fund, than to go with LTC insurance. It's $0.58 per $100 earned, that's about $25 a month for the average worker in the state.

> ongoing proof that you have an active policy.

Can one change one's LTC insurance and still be tax exempt? I'm guessing so but I couldn't see the info in the law.

When, though?

Thanks, they are still planning to implement that tax, from July 2023 last time I heard about it but the state legislators keep changing their minds.

This is a common misunderstanding. The WA Cares law has not been repealed. It is on the books and is not likely to go anywhere. What was delayed was the collecting of the LTC tax from peoples paychecks. That tax collection was delayed, but it is scheduled to begin in 2023.

Got it, thanks. Given the high price I'm paying currently for the LTC, I'd like to switch ASAP to some cheap insurance and just cancel it if the law change confirms one can drop it.

Was on webinar with an insurance employee who keeps track of this topic in the WA legislature and they said that lawmakers are currently aware of the loophole that people could have signed up for a private LTC policy, gotten the exemption, and then cancelled the policy. Lawmakers are aware of this and it seems very likely that they will plug the loophole in the future by requiring some sort of ongoing proof that you have an active policy.

The current law is a mess.

It will probably change. But if it doesn't, there is no policy that you can currently purchase that grants an exemption. To qualify for an exemption, you must have purchased the coverage prior to November 1, 2021.

However, the law also doesn't require you to maintain coverage, so technically you could cancel and keep your exemption. I think this part is one of the most likely to change, so I wouldn't do that until July at earliest (when payroll deductions start).

Just wait a few months before you change anything.

So pretty!

Technically, you can just cancel without a new policy and keep your exemption. They could change the law but that’s how it works today

You might wanna double check what happened after everyone made their choice. I believe the whole thing fell apart in the legislature and we are not required to carry LTC at this time. We made the choice to not opt in - hoping it would fail in the end.

Nothing beats a blue bird day of skiing Crystal, and that view.

What's the trail name? Where do you get snowshoe rentals?

Amazing shot, can’t imagine how awesome this looked in person

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It’s on the rise as an invasive species. Seems to hitchhike in potted cultivars from the requests I’ve seen people make trying to identify it in various weed control groups on the internet.

I see multiple snowshoe/ski tracks in the steep avalanche zone under Table Mountain. The westward crossing (FS Trail 682) is particularly dangerous when there's a heavy snow load. Proceed carefully and fully prepared if you intend traveling beyond Artist Point.