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LTC Premium
Compared To
WA State Employee LTC Payroll Tax
|
Monthly LTC Plan Premium
|
Monthly State Payroll Tax
|
|||||||
|---|---|---|---|---|---|---|---|---|
|
Benefit Features
|
A
|
B
|
C
|
D
|
E
|
|
|
|
|
LTC Lifetime Maximum Benefit
|
$108,000
|
$216,000
|
$432,000
|
$
|
$
|
|
$36,500*
|
|
|
Benefit Duration
|
3 years
|
3 years
|
6 years
|
$
|
$
|
|
|
|
|
Monthly Benefit Amount
|
$3,000
|
$6,000
|
$6,000
|
$
|
$
|
|
|
|
|
Inflation Rider - 5% Compound
|
Included
|
Included
|
Included
|
Not Included
|
Not Included
|
|
|
|
|
Optional Rider - Immediate Family Member Care
|
Not Included
|
Not Included
|
Not Included
|
Not Included
|
Not Included
|
|
|
|
|
Monthly Premium
|
$ 0.00
|
$ 0.00
|
$ 0.00
|
$ 0.00
|
$ 0.00
|
|
|
|
|
Spouse Monthly Premium
|
$ 0.00
|
$ 0.00
|
$ 0.00
|
$ 0.00
|
$ 0.00
|
|
|
|
|
|
|
|---|---|
|
|
|
|
Benefit Features
|
A
|
|---|---|
|
LTC Lifetime Maximum Benefit
|
$108,000
|
|
Benefit Duration
|
3 years
|
|
Monthly Benefit Amount
|
$3,000
|
|
Inflation Rider - 5% Compound
|
Included
|
|
Optional Rider - Immediate Family Member Care
|
Not Included
|
|
Monthly Premium
|
$ 0.00
$34.50
$34.50
$34.50
$34.50
$34.50
$34.50
$34.50
$34.50
$34.50
$34.50
$34.50
$34.50
$34.50
$34.50
$34.50
$35.70
$36.90
$37.80
$38.70
$39.90
$42.00
$44.40
$45.60
$47.40
$49.80
$51.60
$54.00
$57.30
$59.40
$61.20
$64.50
$66.30
$69.60
$73.80
$76.80
$81.00
$84.00
$89.10
$93.30
$99.90
$105.30
$111.60
$118.80
$127.50
$139.20
$150.00
$162.90
$182.70
$200.70
$222.00
$243.90
$269.40
$296.40
$327.60
$361.80
$399.60
$439.50
$528.60
$577.80
$631.20
$690.60
$755.70
$827.40
|
|
Spouse Monthly Premium
|
$ 0.00
|
|
Total Monthly Premium Without Marital Discount
|
$ 0.00
|
|
Total Monthly Premium With Marital Discount
|
$ 0.00
|
|
Benefit Features
|
B
|
|---|---|
|
LTC Lifetime Maximum Benefit
|
$216,000
|
|
Benefit Duration
|
3 years
|
|
Monthly Benefit Amount
|
$6,000
|
|
Inflation Rider - 5% Compound
|
Included
|
|
Optional Rider - Immediate Family Member Care
|
Not Included
|
|
Monthly Premium
|
$ 0.00
$69.00
$69.00
$69.00
$69.00
$69.00
$69.00
$69.00
$69.00
$69.00
$69.00
$69.00
$69.00
$69.00
$69.00
$69.00
$71.40
$73.80
$75.60
$77.40
$79.80
$84.00
$88.80
$91.20
$94.80
$99.60
$103.20
$108.00
$114.60
$118.80
$122.40
$129.00
$132.60
$139.20
$147.60
$153.60
$162.00
$168.00
$178.20
$186.60
$199.80
$210.60
$223.20
$237.60
$255.00
$278.40
$300.00
$325.80
$365.40
$401.40
$444.00
$487.80
$538.80
$592.80
$655.20
$723.60
$799.20
$879.00
$1,057.20
$1,155.60
$1,262.40
$1,381.20
$1,511.40
$1,654.80
|
|
Spouse Monthly Premium
|
$ 0.00
|
|
Total Monthly Premium Without Marital Discount
|
$ 0.00
|
|
Total Monthly Premium With Marital Discount
|
$ 0.00
|
|
Benefit Features
|
C
|
|---|---|
|
LTC Lifetime Maximum Benefit
|
$432,000
|
|
Benefit Duration
|
6 years
|
|
Monthly Benefit Amount
|
$6,000
|
|
Inflation Rider - 5% Compound
|
Included
|
|
Optional Rider - Immediate Family Member Care
|
Not Included
|
|
Monthly Premium
|
$ 0.00
$91.20
$91.20
$91.20
$91.20
$91.20
$91.20
$91.20
$91.20
$91.20
$91.20
$91.20
$91.20
$91.20
$93.60
$95.40
$97.80
$100.20
$104.40
$106.80
$110.40
$115.20
$119.40
$123.60
$128.40
$133.80
$140.40
$147.00
$155.40
$162.00
$168.00
$176.40
$180.60
$189.00
$197.40
$207.60
$217.80
$228.00
$240.60
$253.20
$268.80
$283.20
$300.60
$317.40
$343.80
$372.00
$402.60
$435.00
$484.80
$534.60
$588.60
$646.80
$712.20
$782.40
$865.80
$954.00
$1,051.20
$1,158.60
$1,387.80
$1,518.60
$1,660.80
$1,814.40
$1,983.60
$2,169.00
|
|
Spouse Monthly Premium
|
$ 0.00
|
|
Total Monthly Premium Without Marital Discount
|
$ 0.00
|
|
Total Monthly Premium With Marital Discount
|
$ 0.00
|
In the event of a discrepancy between the premiums shown here and the carrier rate calculation, carrier's information will prevail.
*Adjusted up to inflation see wacaresfund.wa.gov