Podcast: The Washington State Cares Fund – A New Era in Long-Term Care

    by Sidney Hunt
    Published: May 25, 2024 (3 weeks ago)

    In the latest episode of “State Matters,” a popular podcast focusing on local policy and governance, host Emily Lawson delves into the Washington State Cares Fund, an ambitious initiative designed to address the long-term care needs of Washington residents. The episode features insights from state officials, healthcare experts, and beneficiaries, providing a comprehensive overview of the program’s objectives, challenges, and impact.

    A Groundbreaking Initiative

    The Washington State Cares Fund, launched in July 2023, is the first state-run program in the U.S. aimed at providing residents with long-term care benefits. Funded by a payroll tax, the program offers financial assistance to eligible individuals who require services such as home care, assisted living, and other long-term care options.

    In the podcast, Lawson interviews State Representative Laurie Jinkins, one of the key proponents of the fund. “The Washington State Cares Fund represents a significant step forward in how we support our aging population and those with disabilities,” Jinkins said. “It ensures that people can access the care they need without exhausting their savings or relying solely on family members.”

    Funding and Benefits

    Under the program, employees contribute 0.58% of their wages to the fund, with no cap on the taxable amount. After paying into the system for a minimum of ten years (or three of the last six years), residents become eligible for benefits up to $36,500, adjusted for inflation. These funds can be used for a variety of services, including professional caregiving, home modifications, and respite care.

    Lawson speaks with Dr. Sarah Thompson, a geriatric care specialist, about the potential impact of the fund. “Access to long-term care is a growing concern as our population ages,” Thompson explained. “The Washington State Cares Fund provides a safety net that can significantly improve the quality of life for many individuals, allowing them to receive the care they need in a setting that is comfortable and familiar.”

    Personal Stories

    The episode also features testimonials from Washington residents who have benefited from the program. One such story is that of Maria Hernandez, a 68-year-old retiree who recently utilized the fund to modify her home for accessibility following a stroke. “I was worried about how I would manage after the stroke,” Hernandez shared. “The Cares Fund covered the cost of installing ramps and grab bars, which has made a huge difference in my independence.”

    Another beneficiary, Tom Anderson, a 45-year-old father of two, discussed how the fund helped his mother, who suffers from dementia. “We were struggling to afford the level of care my mom needed,” Anderson said. “The Cares Fund provided the financial support to bring in a professional caregiver, which has been a blessing for our family.”

    Challenges and Criticisms

    Despite its benefits, the Washington State Cares Fund has faced criticism and legal challenges. Opponents argue that the payroll tax places an undue burden on workers and that the benefits may not be sufficient to cover all long-term care needs. Additionally, some out-of-state residents and those who plan to retire elsewhere have raised concerns about eligibility and portability.

    Lawson addresses these criticisms in her discussion with John Wilson, an economist specializing in public policy. “It’s important to acknowledge that no program is perfect from the start,” Wilson said. “The key is to monitor its implementation, address any issues that arise, and ensure that the benefits are equitably distributed and sufficient to meet the needs of all participants.”

    Looking Ahead

    As the Washington State Cares Fund continues to evolve, policymakers and stakeholders remain focused on refining the program to better serve the state’s residents. Future adjustments may include expanding benefits, modifying eligibility requirements, and exploring options for interstate portability.

    Lawson concludes the podcast with a reflection on the importance of innovative solutions to societal challenges. “The Washington State Cares Fund is a bold experiment in addressing the long-term care crisis,” she said. “While there are hurdles to overcome, it represents a crucial step toward ensuring that all residents can age with dignity and support.”


    The “State Matters” podcast episode on the Washington State Cares Fund provides an insightful and balanced examination of this pioneering initiative. By highlighting the program’s benefits, challenges, and personal stories, the episode underscores the importance of proactive policies in addressing the complex needs of an aging population. As Washington continues to lead the way in long-term care, the lessons learned from this fund may serve as a model for other states seeking to provide similar support to their residents.