Hollowtree

Long-Term Care Insurance for Employers

State mandate tracking, plan design guidance, cost analysis, and workforce strategies to help employers navigate long-term care coverage.

Get Your Employer BriefingExplore the State Tracker

State Legislation Tracker

1 state with active or pending LTC payroll tax legislation. Updated as bills advance.

Washington

Active

Washington's WA Cares Fund is the nation's first state-run LTC payroll tax. A 0.58% employee-side premium applies to nearly all W-2 workers. Employers must facilitate payroll deductions and manage opt-out verification for employees with qualifying private coverage.

Read State Analysis

Why Employers Are Adding LTC Insurance

State Mandates Are Spreading

Washington's LTC payroll tax is live. Six more states have proposed or are studying their own. Employers with multi-state workforces need a strategy before the next mandate passes.

View State Tracker

Caregiving Costs You More Than You Think

73% of employees are caregivers. The productivity loss from absenteeism, turnover, and early retirement costs U.S. employers an estimated $44 billion annually. Group LTC coverage is the employer-side answer.

A Benefit That Keeps Key People

Guaranteed issue LTC is a high-value, low-cost benefit that signals commitment to your workforce. No medical underwriting means everyone qualifies -- from new hires to senior partners.

LTC Knowledge Base

Showing 4 articles

The Future of Employer-Sponsored LTC Insurance: Market Trends Driving Guaranteed Issue Adoption

The Future of Employer-Sponsored LTC Insurance: Market Trends Driving Guaranteed Issue Adoption

Supporting ArticleExplainer
Washington Long-Term Care Trust Act: What Employers Need to Know

Washington Long-Term Care Trust Act: What Employers Need to Know

Supporting ArticleCompliance Checklist
What Is Long-Term Care Insurance and Why Do Employers Offer It?

What Is Long-Term Care Insurance and Why Do Employers Offer It?

PillarExplainer
Washington State LTC Tax: WA Cares Fund Employer Guide

Washington State LTC Tax: WA Cares Fund Employer Guide

State PageWA

See what LTC mandates mean for your company

Enter your employee count and states of operation to get a personalized cost exposure report.

Get Your Employer Briefing

Frequently Asked Questions

As of 2026, Washington is the only state with an active, collecting LTC payroll tax through the WA Cares Fund. Several other states — including California, New York, Minnesota, and Pennsylvania — have proposed legislation at various stages.

Looking for disability insurance? Explore the Disability Insurance Hub →