How will you pay for long-term care?

— from Rep. Jeff Morris —

More than 10,000 people in the US turn 65 every day, according to the federal Department of Health and Human Services, and the department anticipates our elderly population will grow from 13 percent today to 20 percent in 2030. We are riding the crest of the Silver Tsunami.

As we age, the majority of us will require some sort of assistance for regular, daily activities. Getting to the grocery store or doctor’s appointments, cooking or cleaning around the house, or even assistance bathing or following important medication schedules — these are all activities that might become more difficult as we age. I know there are many people in our communities either caring for an elderly loved one, or facing the difficult choices so common with long-term care.

The costs can be staggering. In the vast majority of cases, Medicare will not cover long-term care. Medicaid does cover such care, but only if you meet certain low-income criteria. For some families, taking care of an aging parent or relative is financially possible – but for far too many families in Washington it’s a significant burden. That’s why last week I voted for the Long Term Care Trust Act.

This legislation addresses the financial sacrifices families in Washington are experiencing today by creating a new social insurance program – through a payroll deduction – to help with the cost of long-term care as the “age wave” hits our state. The Long Term Care Trust Act gives families a little breathing room as they take care of the ones they love. This investment in our grandparents, parents, and ourselves brings peace of mind and security for all needing long-term services and supportive care.

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