LTC Simple
(425) 641-8502

Long-Term Care Insurance in Washington

How Much Does Long-Term Care Insurance Cost in Washington?

Realistic examples can give you a starting point. Your actual cost depends on your age, health, coverage design and the type of long-term care plan you choose. With more than 25 years specializing in long-term care insurance, Carol Guilbault, CLTC, can help you understand what meaningful coverage may realistically cost in Washington.

Washington Long-Term Care Insurance Specialist | 25+ Years of LTC Experience | Independent

Get a Personalized Cost ComparisonSee Example Costs

Complimentary. No pressure. No obligation.

5-star average on Google Reviews

(425) 641-8502
Mount Rainier reflected in an alpine lake in Washington State

Want to Know What Coverage May Cost for You?

Tell me a little about yourself and I’ll personally review your information and help you understand the options worth considering.

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

Realistic Pricing. No Bait-and-Switch.

You won’t see artificially low “starting at” premiums here just to get you to fill out a form. I believe you should have a realistic idea of what meaningful long-term care coverage may cost before we ever speak.

The examples below are based on traditional long-term care insurance with meaningful benefits. Your actual premium will depend on your age, health, gender, whether you apply individually or as a couple, couples/partner discounts, benefit amount, benefit period, inflation protection — or no inflation protection — elimination period, and other policy features.

Realistic Traditional Long-Term Care Insurance Examples

  • Age 45

    Male$1,710/year
    Female$2,770/year

  • Age 50

    Male$1,870/year
    Female$3,070/year

  • Age 55

    Male$2,070/year
    Female$3,450/year

  • Age 60

    Male$2,360/year
    Female$4,010/year

What does this example coverage include?

  • $5,000 monthly initial LTC benefit
  • 3-year benefit period
  • $180,000 initial benefit pool
  • 3% compound inflation protection
  • 90-day elimination period

These examples assume a single Washington applicant qualifying for Preferred health rates and are provided for educational and illustrative purposes only. They are not quotes or guarantees of coverage. Actual premiums and eligibility vary based on age, health, gender, marital/partner status, insurance carrier, available discounts and policy design.

What About Hybrid Long-Term Care Plans?

Hybrid plans are different. Costs can vary significantly depending on how the plan is designed and funded — including single premium, 5-pay, 10-pay, ongoing premiums, or qualified retirement funds. There is also an important difference in how benefits are paid: some hybrid plans pay cash directly to you, while others reimburse the care provider for covered services.

That’s why I don’t believe in showing one artificially low number and calling it a “quote.” A short conversation allows us to look at how you want to fund your coverage, what you want the policy to accomplish, and then compare the options that actually make sense for you.

Get My Personalized Cost Comparison

Trusted Carriers

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

Availability depends on your state and individual circumstances.

What Washington 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
Request a ConversationRead More Client Experiences

Your Coverage Doesn’t Have to Look Exactly Like This

Long-term care insurance can be designed around your budget, assets and the amount of risk you want to insure. Some people want insurance to cover most of their potential care costs. Others prefer to insure a portion of the risk and use their own assets for the rest.

That’s why an online price can only tell you so much. A brief conversation allows me to understand what you’re trying to accomplish and show you options that actually fit your situation.

See What Coverage May Cost for Me

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.

Request a Conversation

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 specialized in long-term care planning since 2001.

I work with individuals and couples who want to thoughtfully evaluate whether transferring some of their long-term care risk makes sense — and, if so, how to do it intelligently.

As an independent specialist, I can help clients evaluate:

  • Traditional long-term care insurance
  • Hybrid life/LTC coverage
  • Asset-based long-term care strategies
  • Different benefit amounts and inflation options
  • Keeping some or all of the risk yourself

My role isn’t to convince someone to buy a policy. It’s to help them make a well-informed decision.

Request a Conversation
Carol Guilbault, CLTC, independent long-term care insurance specialist serving Washington
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 don’t pay an additional advisory or broker fee to have me help you compare and evaluate your options.

That allows you to work directly with an experienced long-term care specialist 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 pay for care yourself but want to evaluate transferring some of that risk
  • You want to understand traditional AND hybrid/asset-based LTC options
  • You're reasonably healthy and understand private LTC coverage requires underwriting
  • You want expert guidance to compare carriers, maximize available discounts, and design the right coverage for your needs
  • You're seriously 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.

Request a Conversation

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.