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Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
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Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
Mine costs about 30% more than the tax, but I got in super late and the only thing I could find was life with an LTC rider - I do get money back the longer I stay, but I don't plan to stay long. My income will be going up every year, and my price for insurance will not if I did decide to keep it.
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
That's exactly the situation I am in at age 56. I put together a calculator and with the cash back value I would save about $3500 after 5 years and almost $10k after 10 years. Coverage is $50k max (vs $36.5k max in WA Cares) plus it's portable if I move to another state. So thinking I will take the plunge and pay more (for now ).corpgator wrote: ↑Tue Oct 05, 2021 8:55 pm Mine costs about 30% more than the tax, but I got in super late and the only thing I could find was life with an LTC rider - I do get money back the longer I stay, but I don't plan to stay long. My income will be going up every year, and my price for insurance will not if I did decide to keep it.
Another question: Everyone seems to think that theycan jump ship after a year or two. What basis do we have for thinking that the state can't compel you to continue to pay for a policy or face back taxes?
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
The text of the law itself is very clear about the nature of the exemption. Speculating about future policy changes is out of bounds for this forum, so I won't do that.
A useful razor: anyone asking about speculative strategies on Bogleheads.org has no business using them.
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
Permanent opt-out means that once someone opts out they can never choose to opt-in again.drk wrote: ↑Tue Oct 05, 2021 10:09 pmThe text of the law itself is very clear about the nature of the exemption. Speculating about future policy changes is out of bounds for this forum, so I won't do that.
Permanent opt-out does NOT mean the government is powerless to revoke someone’s fraudulent opt-out.
The intent of the law is very clear. I'm looking forward to discussing future legislative changes on this forum in about 6 months.
Disclaimer: I am a licensed insurance professional and am certified as a long-term care insurance specialist.
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Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
Let's focus on the positive actionable things. I'm not worried about our fellow boglehead friends committing fraud.WoW2012 wrote: ↑Tue Oct 05, 2021 10:16 pmPermanent opt-out means that once someone opts out they can never choose to opt-in again.drk wrote: ↑Tue Oct 05, 2021 10:09 pmThe text of the law itself is very clear about the nature of the exemption. Speculating about future policy changes is out of bounds for this forum, so I won't do that.
Permanent opt-out does NOT mean the government is powerless to revoke someone’s fraudulent opt-out.
The intent of the law is very clear. I'm looking forward to discussing future legislative changes on this forum in about 6 months.
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
Why not? More than one has suggested it on this forum and have not been banned for it.ElJefeDelQueso wrote: ↑Tue Oct 05, 2021 10:24 pm
Let's focus on the positive actionable things. I'm not worried about our fellow boglehead friends committing fraud.
Disclaimer: I am a licensed insurance professional and am certified as a long-term care insurance specialist.
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
We were talking about cancelling our policies in the future, not applying for exemption without one. As far as I can tell (and I agree that the law on this specific point isn't clear), this isn't fraud. That's my plan, but I'll keep mine until they make it clear that we're not required to maintain coverage forever.WoW2012 wrote: ↑Tue Oct 05, 2021 10:16 pmPermanent opt-out means that once someone opts out they can never choose to opt-in again.drk wrote: ↑Tue Oct 05, 2021 10:09 pmThe text of the law itself is very clear about the nature of the exemption. Speculating about future policy changes is out of bounds for this forum, so I won't do that.
Permanent opt-out does NOT mean the government is powerless to revoke someone’s fraudulent opt-out.
The intent of the law is very clear. I'm looking forward to discussing future legislative changes on this forum in about 6 months.
I did come across some sort of FAQ from ESD that addressed this point (it was a Word document) but of course I can't find it anymore. It was a little clearer but not 100%.
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Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
My husband (43yo) just got notified of his approval. He applied about an hour after I (35yo) did on Saturday morning. My application still only says submitted. Maybe it's due to my age?
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Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
Are we OK to opt-out with an approval only? I got approved but still waiting for the certificate to be issued and mailed. Technically I don't think I can claim I have LTCi just yet.StoopieHippo wrote: ↑Tue Oct 05, 2021 11:10 pm My husband (43yo) just got notified of his approval. He applied about an hour after I (35yo) did on Saturday morning. My application still only says submitted. Maybe it's due to my age?
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Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
It's fractious.WoW2012 wrote: ↑Tue Oct 05, 2021 10:29 pmWhy not? More than one has suggested it on this forum and have not been banned for it.ElJefeDelQueso wrote: ↑Tue Oct 05, 2021 10:24 pm
Let's focus on the positive actionable things. I'm not worried about our fellow boglehead friends committing fraud.
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Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
We were both approved for LTCi a while back. He was just approved for the exemption, but I'm still waiting for mine.Marseille07 wrote: ↑Tue Oct 05, 2021 11:16 pmAre we OK to opt-out with an approval only? I got approved but still waiting for the certificate to be issued and mailed. Technically I don't think I can claim I have LTCi just yet.StoopieHippo wrote: ↑Tue Oct 05, 2021 11:10 pm My husband (43yo) just got notified of his approval. He applied about an hour after I (35yo) did on Saturday morning. My application still only says submitted. Maybe it's due to my age?
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
I'm not planning on cancelling my policy now that the opt out letter is in hand.
However, I'll probably shop around for a cheaper one when the marketplace normalizes.
To the agents on this thread, how can I do this without adversely affecting the agent who wrote my current policy? Is there a certain amount of time to wait?
However, I'll probably shop around for a cheaper one when the marketplace normalizes.
To the agents on this thread, how can I do this without adversely affecting the agent who wrote my current policy? Is there a certain amount of time to wait?
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
13 monthsintendi wrote: ↑Wed Oct 06, 2021 10:18 am I'm not planning on cancelling my policy now that the opt out letter is in hand.
However, I'll probably shop around for a cheaper one when the marketplace normalizes.
To the agents on this thread, how can I do this without adversely affecting the agent who wrote my current policy? Is there a certain amount of time to wait?
Disclaimer: I am a licensed insurance professional and am certified as a long-term care insurance specialist.
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
While I never indicated that I intend to cancel my plan after getting an exemption (again: less than 25% the cost of the tax), I'll emphasize that following the law as written isn't fraud. See also: the Backdoor Roth or whichever "tax loophole" is your favorite.WoW2012 wrote: ↑Tue Oct 05, 2021 10:16 pm Permanent opt-out means that once someone opts out they can never choose to opt-in again.
Permanent opt-out does NOT mean the government is powerless to revoke someone’s fraudulent opt-out.
The intent of the law is very clear. I'm looking forward to discussing future legislative changes on this forum in about 6 months.
A useful razor: anyone asking about speculative strategies on Bogleheads.org has no business using them.
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
Buying an insurance policy from an insurance company with the intent to cancel it after a few months defrauds the agent and the company.drk wrote: ↑Wed Oct 06, 2021 11:00 amWhile I never indicated that I intend to cancel my plan after getting an exemption (again: less than 25% the cost of the tax), I'll emphasize that following the law as written isn't fraud. See also: the Backdoor Roth or whichever "tax loophole" is your favorite.WoW2012 wrote: ↑Tue Oct 05, 2021 10:16 pm Permanent opt-out means that once someone opts out they can never choose to opt-in again.
Permanent opt-out does NOT mean the government is powerless to revoke someone’s fraudulent opt-out.
The intent of the law is very clear. I'm looking forward to discussing future legislative changes on this forum in about 6 months.
Disclaimer: I am a licensed insurance professional and am certified as a long-term care insurance specialist.
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
How does that defraud them, they got a few months worth of premium payments for nothing. It's still a win for them.WoW2012 wrote: ↑Wed Oct 06, 2021 1:08 pmBuying an insurance policy from an insurance company with the intent to cancel it after a few months defrauds the agent and the company.drk wrote: ↑Wed Oct 06, 2021 11:00 amWhile I never indicated that I intend to cancel my plan after getting an exemption (again: less than 25% the cost of the tax), I'll emphasize that following the law as written isn't fraud. See also: the Backdoor Roth or whichever "tax loophole" is your favorite.WoW2012 wrote: ↑Tue Oct 05, 2021 10:16 pm Permanent opt-out means that once someone opts out they can never choose to opt-in again.
Permanent opt-out does NOT mean the government is powerless to revoke someone’s fraudulent opt-out.
The intent of the law is very clear. I'm looking forward to discussing future legislative changes on this forum in about 6 months.
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
It costs several hundred dollars to underwrite and issue a long-term care insurance policy: medical records, prescription drug reports, phone health interviews, blood and urine samples, etc...
That's how it defrauds the insurance company.
Disclaimer: I am a licensed insurance professional and am certified as a long-term care insurance specialist.
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
I didn't say, "fraud". I said "defraud". There's a difference.
It costs several hundred dollars to underwrite and issue a long-term care insurance policy: medical records, prescription drug reports, phone health interviews, blood and urine samples, etc...
That's how it defrauds the insurance company.
Disclaimer: I am a licensed insurance professional and am certified as a long-term care insurance specialist.
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
Do you mean "unethical?" Show me where this is against a company policy, or even worse, against the law?
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
Sounds like that’s the cost of doing business.WoW2012 wrote: ↑Wed Oct 06, 2021 1:52 pmI didn't say, "fraud". I said "defraud". There's a difference.
It costs several hundred dollars to underwrite and issue a long-term care insurance policy: medical records, prescription drug reports, phone health interviews, blood and urine samples, etc...
That's how it defrauds the insurance company.
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
Defraud means to take by fraud. If someone cancels their policy as is within their rights laid out in the contract, there is nothing even deceitful in that action, much less fraudulent.WoW2012 wrote: ↑Wed Oct 06, 2021 1:52 pm I didn't say, "fraud". I said "defraud". There's a difference.
It costs several hundred dollars to underwrite and issue a long-term care insurance policy: medical records, prescription drug reports, phone health interviews, blood and urine samples, etc...
That's how it defrauds the insurance company.
Personally though, I plan to keep my policy, and I appreciate the effort that went into making things happen for me before the deadline.
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
I read the legislation and I don't think the text is clear about that. It only says that the exempt are permanently disqualified. It doesn't say anything about whether or not continued coverage is required. But it does say that the departments in charge of the legislation are required to issue rules and regulations.drk wrote: ↑Tue Oct 05, 2021 10:09 pmThe text of the law itself is very clear about the nature of the exemption. Speculating about future policy changes is out of bounds for this forum, so I won't do that.
They could issue a rule requiring ongoing attestation (and verification) of coverage for exempt persons and consequences for those who fail to satisfy the terms.Washington State Legislature wrote:(9) The department must adopt rules necessary to implement and administer the activities specified in this section related to the program, including rules on the submission and processing of applications under this section.
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Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
Defraud is a verb, while fraud is a noun. Beyond that, they refer to the same concept.
Merriam-Webster
Collins Dictionarydefraud: to deprive of something by deception or fraud
Dictionary.comIf someone defrauds you, they take something away from you or stop you from getting what belongs to you by means of tricks and lies.
Legal-Dictionarydefraud: to deprive of a right, money, or property by fraud
etc.defraud: to use deceit, falsehoods, or trickery to obtain money, an object, rights or anything of value belonging to another
While I will not do so, there is not necessarily any fraud, defrauding, trickery, deception, falsehood, lies, etc. from an individual taking out an insurance policy with the intention to cancel it in a matter of months. It may be unethical, and it's likely that the insurance company will lose money in the process, but as mentioned already, sometimes those types of things are just the cost of doing business.
The Sensible Steward
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Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
I believe that the law is clear that a LTCi policy must be in force on 11/1/2021. That might be the case for you now, but it certainly should be before the end of the month.Marseille07 wrote: ↑Tue Oct 05, 2021 11:16 pmAre we OK to opt-out with an approval only? I got approved but still waiting for the certificate to be issued and mailed. Technically I don't think I can claim I have LTCi just yet.StoopieHippo wrote: ↑Tue Oct 05, 2021 11:10 pm My husband (43yo) just got notified of his approval. He applied about an hour after I (35yo) did on Saturday morning. My application still only says submitted. Maybe it's due to my age?
The Sensible Steward
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Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
Yeah, I'm just being extra cautious because I need to attest that I have a policy before 11/1/21. I believe the certificate is issued later this week.willthrill81 wrote: ↑Wed Oct 06, 2021 2:50 pm I believe that the law is clear that a LTCi policy must be in force on 11/1/2021. That might be the case for you now, but it certainly should be before the end of the month.
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
This is a "No politics" forum. I removed a post criticizing the law. See: Politics and Religion
In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibited. The only exceptions to this rule are:
- Common religious expressions such as sending your prayers to an ailing member.
- Usage of factual and non-derogatory political labels when necessary to the discussion at hand.
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- Proposed regulations that are directly related to investing may be discussed if and when they are published for public comments.
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Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
My husband is still waiting and he also applied Saturday morning. He's 45 and has had the policy in place since the summer. So who knows?StoopieHippo wrote: ↑Tue Oct 05, 2021 11:10 pm My husband (43yo) just got notified of his approval. He applied about an hour after I (35yo) did on Saturday morning. My application still only says submitted. Maybe it's due to my age?
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
I'm not a lawyer, but I'm not sure that is correct. The law simply says "An employee who attests that the employee has long-term care insurance purchased before November 1, 2021, may apply for an exemption from the premium assessment..."willthrill81 wrote: ↑Wed Oct 06, 2021 2:50 pmI believe that the law is clear that a LTCi policy must be in force on 11/1/2021.Marseille07 wrote: ↑Tue Oct 05, 2021 11:16 pm Are we OK to opt-out with an approval only? I got approved but still waiting for the certificate to be issued and mailed. Technically I don't think I can claim I have LTCi just yet.
I searched and couldn't find anything about the insurance being in-force. In fact, although the intent is clear enough, the language of the law seems to say that simply attesting is fine, nothing about actually having the insurance???
Regardless, I'd be fairly comfortable myself with opting out after an official written approval.
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Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
How can I attest that I've purchased LTCi without...purchasing? Wouldn't that be considered perjury?EnerJi wrote: ↑Wed Oct 06, 2021 6:35 pmI'm not a lawyer, but I'm not sure that is correct. The law simply says "An employee who attests that the employee has long-term care insurance purchased before November 1, 2021, may apply for an exemption from the premium assessment..."willthrill81 wrote: ↑Wed Oct 06, 2021 2:50 pmI believe that the law is clear that a LTCi policy must be in force on 11/1/2021.Marseille07 wrote: ↑Tue Oct 05, 2021 11:16 pm Are we OK to opt-out with an approval only? I got approved but still waiting for the certificate to be issued and mailed. Technically I don't think I can claim I have LTCi just yet.
I searched and couldn't find anything about the insurance being in-force. In fact, although the intent is clear enough, the language of the law seems to say that simply attesting is fine, nothing about actually having the insurance???
Regardless, I'd be fairly comfortable myself with opting out after an official written approval.
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Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
You're correct that the law says that the LTCi must be "purchased." Exactly what meets that standard is not clear to me.EnerJi wrote: ↑Wed Oct 06, 2021 6:35 pmI'm not a lawyer, but I'm not sure that is correct. The law simply says "An employee who attests that the employee has long-term care insurance purchased before November 1, 2021, may apply for an exemption from the premium assessment..."willthrill81 wrote: ↑Wed Oct 06, 2021 2:50 pmI believe that the law is clear that a LTCi policy must be in force on 11/1/2021.Marseille07 wrote: ↑Tue Oct 05, 2021 11:16 pm Are we OK to opt-out with an approval only? I got approved but still waiting for the certificate to be issued and mailed. Technically I don't think I can claim I have LTCi just yet.
I searched and couldn't find anything about the insurance being in-force. In fact, although the intent is clear enough, the language of the law seems to say that simply attesting is fine, nothing about actually having the insurance???
Regardless, I'd be fairly comfortable myself with opting out after an official written approval.
I doubt that any court will say that an attestation in the complete absence of a LTCi policy would be valid. Marseille07's concern about such a move being perjury seems warranted to me.
The Sensible Steward
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
I am interpreting the legislation literally when they say "Have purchased a qualifying private long-term care insurance plan before Nov. 1, 2021." Purchased means payment has been made. I purchased a policy that involves life insurance with a LTC rider. The agent told me that once they process my first monthly payment a "binding receipt" is issued and that at that time I would be eligible to apply for an exemption through WA Cares - she said there is no need to wait until the policy is processed and underwriting is completed. Shortly after making the payment I received an email with the binding receipt. Here is some additional info about binding receipts:
Insuranceopedia wrote:A receipt is usually an acknowledgment of payment, but a binding receipt is different in that it acknowledges the role of the insurer: to provide coverage. This role will only be fulfilled on one condition: that the insured makes his or her first payment. Once this is done, the insurer commits to the coverage, even if it is still processing the official insurance contract. If the insured dies without having paid the entire amount to the insurance company, the insurer is still obliged to provide coverage, even if it is limited in scope.
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
willthrill81 wrote: ↑Wed Oct 06, 2021 2:47 pmDefraud is a verb, while fraud is a noun. Beyond that, they refer to the same concept.
Merriam-WebsterCollins Dictionarydefraud: to deprive of something by deception or fraudDictionary.comIf someone defrauds you, they take something away from you or stop you from getting what belongs to you by means of tricks and lies.Legal-Dictionarydefraud: to deprive of a right, money, or property by fraudetc.defraud: to use deceit, falsehoods, or trickery to obtain money, an object, rights or anything of value belonging to another
Thank you for sharing those definitions.
They prove my point.
Defraud is the correct word to use in this case.
Disclaimer: I am a licensed insurance professional and am certified as a long-term care insurance specialist.
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Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
What trick or deception do you believe that people who only hold a policy for a matter of a few months are using?WoW2012 wrote: ↑Thu Oct 07, 2021 9:33 amwillthrill81 wrote: ↑Wed Oct 06, 2021 2:47 pmDefraud is a verb, while fraud is a noun. Beyond that, they refer to the same concept.
Merriam-WebsterCollins Dictionarydefraud: to deprive of something by deception or fraudDictionary.comIf someone defrauds you, they take something away from you or stop you from getting what belongs to you by means of tricks and lies.Legal-Dictionarydefraud: to deprive of a right, money, or property by fraudetc.defraud: to use deceit, falsehoods, or trickery to obtain money, an object, rights or anything of value belonging to another
Thank you for sharing those definitions.
They prove my point.
Defraud is the correct word to use in this case.
The Sensible Steward
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
The discussion is getting derailed on ethical issues of cancelling a policy. For the record, discussions of dishonest behavior or bypassing the law are totally unacceptable.
The intent is to understand how to do this within the existing legal framework; in which case this discussion can continue.
Everything is a matter of degree. The choice of using a tax deferred account, e.g. IRA, to avoid taxes during some period of time is one extreme, managing assets to qualify for Medicaid is the other. Gifting assets to avoid taxes is somewhere in the middle. The bottom line is to work within the legal framework. Ethics is the ever present elephant in the room.
The approach is to educate members on how to do things legally. State your points in a factual manner. If the intent strays from this objective, please report the post and we'll investigate.
The intent is to understand how to do this within the existing legal framework; in which case this discussion can continue.
Everything is a matter of degree. The choice of using a tax deferred account, e.g. IRA, to avoid taxes during some period of time is one extreme, managing assets to qualify for Medicaid is the other. Gifting assets to avoid taxes is somewhere in the middle. The bottom line is to work within the legal framework. Ethics is the ever present elephant in the room.
The approach is to educate members on how to do things legally. State your points in a factual manner. If the intent strays from this objective, please report the post and we'll investigate.
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Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
I was approved yesterday Hopefully his will come soon too!Isabelle77 wrote: ↑Wed Oct 06, 2021 6:28 pmMy husband is still waiting and he also applied Saturday morning. He's 45 and has had the policy in place since the summer. So who knows?StoopieHippo wrote: ↑Tue Oct 05, 2021 11:10 pm My husband (43yo) just got notified of his approval. He applied about an hour after I (35yo) did on Saturday morning. My application still only says submitted. Maybe it's due to my age?
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Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
When I log into Secure Access Washington, one of the 'services' listed is the 'Paid Family and Medical Leave...' service from the ESD. When I click on that, it takes me to a page where I can create an account, but I've already created a 'WA Cares Exemption', and when I've tried to do so again, the system tells me that an account has already been created. So I cannot see the status of my application, which I submitted last Saturday. I don't know whether I can log in to an exemption account, if such a thing actually exists. Can anyone assist with this?
The Sensible Steward
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
Is this what you see?willthrill81 wrote: ↑Thu Oct 07, 2021 12:14 pm When I log into Secure Access Washington, one of the 'services' listed is the 'Paid Family and Medical Leave...' service from the ESD. When I click on that, it takes me to a page where I can create an account, but I've already created a 'WA Cares Exemption', and when I've tried to do so again, the system tells me that an account has already been created. So I cannot see the status of my application, which I submitted last Saturday. I don't know whether I can log in to an exemption account, if such a thing actually exists. Can anyone assist with this?
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
Mine was also approved either yesterday or today, but I didn't get an email.StoopieHippo wrote: ↑Thu Oct 07, 2021 11:23 amI was approved yesterday Hopefully his will come soon too!Isabelle77 wrote: ↑Wed Oct 06, 2021 6:28 pmMy husband is still waiting and he also applied Saturday morning. He's 45 and has had the policy in place since the summer. So who knows?StoopieHippo wrote: ↑Tue Oct 05, 2021 11:10 pm My husband (43yo) just got notified of his approval. He applied about an hour after I (35yo) did on Saturday morning. My application still only says submitted. Maybe it's due to my age?
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
After clicking the PFML service, It should show your name under the WA Cares Exemption Account. Do you have the "Add/Switch Account" in the upper right? Try clicking that and that should take you to the page you're looking for.willthrill81 wrote: ↑Thu Oct 07, 2021 12:14 pm When I log into Secure Access Washington, one of the 'services' listed is the 'Paid Family and Medical Leave...' service from the ESD. When I click on that, it takes me to a page where I can create an account, but I've already created a 'WA Cares Exemption', and when I've tried to do so again, the system tells me that an account has already been created. So I cannot see the status of my application, which I submitted last Saturday. I don't know whether I can log in to an exemption account, if such a thing actually exists. Can anyone assist with this?
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
My second guess is that they're approving your application as we speak and there is a temporary glitch on your account.willthrill81 wrote: ↑Thu Oct 07, 2021 12:14 pm When I log into Secure Access Washington, one of the 'services' listed is the 'Paid Family and Medical Leave...' service from the ESD. When I click on that, it takes me to a page where I can create an account, but I've already created a 'WA Cares Exemption', and when I've tried to do so again, the system tells me that an account has already been created. So I cannot see the status of my application, which I submitted last Saturday. I don't know whether I can log in to an exemption account, if such a thing actually exists. Can anyone assist with this?
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
Marseille07 wrote: ↑Wed Oct 06, 2021 6:39 pm
How can I attest that I've purchased LTCi without...purchasing? Wouldn't that be considered perjury?
I agree that attesting to something that is not true seems like asking for trouble and I'm certainly not suggesting anyone do that, I just thought the wording of the law is a bit odd. But again, not a lawyer, so perhaps the language is not unusual.willthrill81 wrote: ↑Wed Oct 06, 2021 7:03 pm
You're correct that the law says that the LTCi must be "purchased." Exactly what meets that standard is not clear to me.
I doubt that any court will say that an attestation in the complete absence of a LTCi policy would be valid. Marseille07's concern about such a move being perjury seems warranted to me.
The law does say that the department will create regulations, so we need to also consider what regulations have been (or will be) created.
- Ben Mathew
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Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
After I log in, I get a screen similar to pasadena showing the services that I am currently enrolled in. One of these services is "Paid Family and Medical Leave." When I click on "access now" button next to it, it says:willthrill81 wrote: ↑Thu Oct 07, 2021 12:14 pm When I log into Secure Access Washington, one of the 'services' listed is the 'Paid Family and Medical Leave...' service from the ESD. When I click on that, it takes me to a page where I can create an account, but I've already created a 'WA Cares Exemption', and when I've tried to do so again, the system tells me that an account has already been created. So I cannot see the status of my application, which I submitted last Saturday. I don't know whether I can log in to an exemption account, if such a thing actually exists. Can anyone assist with this?
You are now accessing Paid Family and Medical Leave provided by Employment Security Department. If you require assistance, the Paid Family and Medical Leave help desk can be reached at paidleave@esd.wa.gov or 833-717-2273.
I click continue, and it goes to the page showing the application status.
Total Portfolio Allocation and Withdrawal (TPAW)
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
You're 100% correct, LadyGeek.
Buying an expensive suit, wearing it to the fancy party, and then returning it for a full refund isn’t illegal. But it does reveal something about that person's character.
Disclaimer: I am a licensed insurance professional and am certified as a long-term care insurance specialist.
- willthrill81
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Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
Yes. When I click on 'Access Now' and get redirected to the ESD page, the only choice in the main body is what type of account I want to create. There is no log in option, including in the upper right corner.pasadena wrote: ↑Thu Oct 07, 2021 12:26 pmIs this what you see?willthrill81 wrote: ↑Thu Oct 07, 2021 12:14 pm When I log into Secure Access Washington, one of the 'services' listed is the 'Paid Family and Medical Leave...' service from the ESD. When I click on that, it takes me to a page where I can create an account, but I've already created a 'WA Cares Exemption', and when I've tried to do so again, the system tells me that an account has already been created. So I cannot see the status of my application, which I submitted last Saturday. I don't know whether I can log in to an exemption account, if such a thing actually exists. Can anyone assist with this?
The Sensible Steward
Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
Are you sure you created the account under the same user name?willthrill81 wrote: ↑Thu Oct 07, 2021 2:46 pmYes. When I click on 'Access Now' and get redirected to the ESD page, the only choice in the main body is what type of account I want to create. There is no log in option, including in the upper right corner.pasadena wrote: ↑Thu Oct 07, 2021 12:26 pmIs this what you see?willthrill81 wrote: ↑Thu Oct 07, 2021 12:14 pm When I log into Secure Access Washington, one of the 'services' listed is the 'Paid Family and Medical Leave...' service from the ESD. When I click on that, it takes me to a page where I can create an account, but I've already created a 'WA Cares Exemption', and when I've tried to do so again, the system tells me that an account has already been created. So I cannot see the status of my application, which I submitted last Saturday. I don't know whether I can log in to an exemption account, if such a thing actually exists. Can anyone assist with this?
- willthrill81
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Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
I just got an email from saying that there's been a change to my status and to log in to my exemption account to see it, which I cannot do (or figure out how to do). They say that they will send me a letter regarding my status, so I'm sure that this means that the exemption has been approved.czaj wrote: ↑Thu Oct 07, 2021 12:31 pmMy second guess is that they're approving your application as we speak and there is a temporary glitch on your account.willthrill81 wrote: ↑Thu Oct 07, 2021 12:14 pm When I log into Secure Access Washington, one of the 'services' listed is the 'Paid Family and Medical Leave...' service from the ESD. When I click on that, it takes me to a page where I can create an account, but I've already created a 'WA Cares Exemption', and when I've tried to do so again, the system tells me that an account has already been created. So I cannot see the status of my application, which I submitted last Saturday. I don't know whether I can log in to an exemption account, if such a thing actually exists. Can anyone assist with this?
The Sensible Steward
- willthrill81
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Re: Washington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit
Yes. Since they have emailed me regarding a change in the status of my exemption request, I know that they have my information. I just cannot get to a log in screen for the exemption account.
The Sensible Steward