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(425) 641-8502

Long-Term Care Insurance in Washington State

Ready to Talk?

If you’re financially established, reasonably healthy, and seriously considering long-term care insurance, I can help you understand your options and determine what actually makes sense for you.

Independent Long-Term Care Specialist Since 2001 | Traditional, Hybrid & Asset-Based Options | Washington & California

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Complimentary. No pressure. No obligation.

5-star average on Google Reviews

(425) 641-8502
Mount Rainier rising above evergreen forest in Washington State

Let’s Start With a Conversation

If you’re seriously considering long-term care planning, tell me a little about yourself. I’ll personally review your information and reach out to discuss your options.

Your information stays private. You’ll hear directly from me or my team — never a call center. No pressure and no obligation.

Long-term care insurance carriers Carol works with: Mutual of Omaha, OneAmerica, NGL, Nationwide, Lincoln Financial Group, GTL (Guarantee Trust Life), and Securian Financial

What Clients Say

“Carol…I really enjoyed working with you. You are patient, knowledgeable, responsive and straightforward. I would happily recommend you to any friend looking for long term care insurance.”
Mya R. — WA
“Carol helped make a complex policy comprehensible and was always available to guide us through the process.”
Diane B. — CA
“If you want long term care insurance I would highly recommend Carol Guilbault. Down to earth, sincere and caring and a real pleasure to work with. She is a professional who truly loves her career and helping people.”
Steve G. — WA
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You May Not Want to Talk to an Insurance Agent. I Understand.

Most people researching long-term care insurance want to understand their options before they talk to someone — especially if they’re concerned that a conversation will turn into a sales pitch.

That’s not how I work.

Long-term care insurance is highly individual. Your age, health, finances, family situation, existing assets and goals all affect which options are available and whether insurance even makes sense.

A brief conversation allows me to understand what you’re trying to accomplish before recommending anything.

Sometimes the answer is insurance. Sometimes it isn’t.

I’m Not Your Typical Insurance Agent

Long-term care insurance isn’t one of many products I sell. It’s what I specialize in.

I’ve worked exclusively in long-term care planning since 2001 and help individuals and couples evaluate traditional long-term care insurance, hybrid life/LTC policies and asset-based strategies.

Because I’m independent, I’m not employed by one insurance company and I’m not here to steer you toward a predetermined product.

My job is to help you understand:

  • Whether transferring some of your long-term care risk makes financial sense
  • How much protection is appropriate
  • Which type of coverage fits your situation
  • Which available companies and designs deserve consideration
  • Whether keeping the risk yourself may actually be the better decision
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Carol Guilbault, CLTC, independent long-term care insurance specialist serving Washington State
Carol Guilbault, CLTC
WA License #228359

Does It Cost More to Work With an Independent Specialist?

No. There is no additional fee charged to you for working with me.

If you purchase coverage, I am compensated by the insurance company. You do not pay an additional advisory or broker fee to have me help you compare and evaluate your options.

The goal is to give you experienced, independent guidance without adding another layer of cost.

This May Be a Good Fit If…

  • You have assets or retirement income you want to protect
  • You could potentially self-fund care but would rather evaluate transferring some of that risk
  • You want to understand both traditional and hybrid/asset-based options
  • You are reasonably healthy and understand that coverage requires underwriting
  • You want expert guidance to compare carriers, maximize available discounts, and design the right coverage for your needs
  • You are genuinely interested in making a long-term care planning decision

If you’re not sure where you land, reach out anyway — a short conversation will make it clear.

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Private long-term care insurance in Washington

Care in Washington is expensive, and the cost of extended help at home or in a facility is one of the larger financial risks a retirement plan can face here. Private long-term care insurance is one way to move part of that risk off your own balance sheet: instead of drawing on savings or asking family to absorb the cost, a policy can pay toward qualifying care. Some families self-fund, some blend a smaller policy with savings, and some conclude insurance isn’t the right tool. What matters is making that call deliberately. Our Washington long-term care planning guide covers local costs and the wider planning picture in more depth.

Traditional vs. hybrid coverage

Traditional standalone policies are pure long-term care protection and often provide the most care benefit per premium dollar, though there is generally no payout if care is never needed and carriers may adjust premiums for a class of policyholders. Hybrid designs attach long-term care benefits to life insurance or another product: premiums are typically fixed, and the contract may still pay a death benefit if care is never needed. Our traditional versus hybrid comparison and the general coverage overview go further.

WA Cares vs. private coverage

Washington residents typically come across two very different things during their research: the state’s WA Cares Fund and privately purchased long-term care insurance. They are separate, they work differently, and program rules change over time. For a current explanation, read WA Cares vs. private long-term care insurance and our Washington planning resources. Nothing here assumes anything about your individual eligibility, exemption status, or tax situation.

What affects the cost of coverage

Premiums are individually underwritten, not posted rates. Age at application, health and the carrier’s underwriting decision, benefit amount and duration, elimination period, inflation protection, policy structure, carrier, and whether you plan alone or as a couple all influence the figure. These are the factors worth weighing:

  • Financial strength and claims-paying ability of the insurer
  • Benefit amount and benefit duration
  • Inflation protection
  • Elimination period
  • Home-care provisions
  • Shared-care options, where available
  • Policy exclusions and limitations
  • Whether the premium stays affordable over time

Keep reading

Guide

Washington long-term care planning guide

Read the guide
Costs

What care costs in the Seattle area

See the numbers

Washington long-term care insurance FAQs

It works much as it does elsewhere: a privately purchased policy pays toward qualifying long-term care services once a licensed professional certifies that you need substantial help with everyday activities or have a qualifying cognitive impairment. What is specific to Washington is which carriers and products are approved here, and how coverage fits alongside state programs and local care costs.