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Benefits Manager
How to Implement a Qualifying LTC Plan for State Mandate Compliance
Watch Time: 2 Mins Reading Time: 3 Mins Presented by Hollowtree Updated April 27, 2026
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Insurance Specialists
Ready to review these numbers for your organization?
Your CFO has seen the numbers. The LTC payroll tax exposure is real, and the solution is a qualifying private plan. The question your HR team is now facing is: what does it actually take to implement one?
This briefing is a practical guide to the implementation process -- what happens, in what order, and what your team is responsible for.
Step one is plan selection. Working with Hollowtree, you'll review plan structures that meet the qualifying criteria for your applicable state mandates -- Washington, New York, California, or others. Plan selection typically takes two to four weeks.
Step two is carrier contracting. Hollowtree manages all carrier negotiations. Your team provides headcount data and census information. We do the rest. Contracting takes two to four weeks depending on the carrier.
Step three is employee communication and enrollment. This is where HR is most involved. You'll need to communicate the new benefit to employees -- what it is, why it exists, and how to enroll. Hollowtree provides the communication templates. Your team distributes them through your existing HR channels. Open enrollment for the LTC benefit runs two to four weeks.
Step four is exemption filing. For states with active mandates, employees who elect qualifying coverage need to file an exemption form with the relevant state agency. In Washington, that's the Employment Security Department. Hollowtree provides filing guidance. HR coordinates distribution.
Total timeline from plan selection to active coverage: four to six months. That's the number to put in front of your CFO when setting expectations about when employees will be protected.
Schedule a strategy call. We'll build a timeline specific to your organization and the states where your employees are exposed.
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Hollowtree
Insurance Specialists