UFCW 21 Member FAQ on Washington's New Public Long-Term Care Insurance Program

What is WA Cares, and what is long-term care insurance? 

The WA Cares Fund is a new public benefit in Washington State to help people pay for long-term care, a type of care you may need when experiencing an injury, disability, or other health issue that makes it difficult to care for yourself. People with cancer, dementia, diabetes, heart attacks or strokes, broken bones, and many other injuries and illnesses may need help bathing, dressing, moving around, meal preparation, managing medications, and other basic daily tasks. In fact, 7 out of 10 Washingtonians will need long-term care at some point in their lives. 

WA Cares is public long-term care insurance, so that everyone working in Washington State has access to affordable long-term care services when they need it and can get this support where it’s most appropriate for them—whether that’s their home, an assisted living facility, an adult family home or a nursing home. 

What exactly does this benefit cover for me and my family? 

Beginning in January 2025, an eligible person in Washington can access services and support up to a maximum of $36,500. You and your family can decide how, when, and where to spend this benefit, including paying a trained family caregiver so that someone who cuts back on work to care for a family member doesn’t lose as much income. A benefit of $36,500 is enough to pay for: 

  • 25 hours per week of in-home care for a year 

  • 9 to 18 months in a residential care such as an adult family home or assisted living 

  • Five to six months in a nursing home 

  • Five years of family caregiver support that includes respite, caregiver counseling and education, home modification 

For about half of families who need long-term care, this benefit will cover all the long-term care they will require. For those who end up needing more or longer care, this benefit allows people time and resources to figure out further solutions. 

There is private long-term care insurance available, but WA Cares is a public benefit, like Social Security or Medicare, and has advantages over corporate insurance. If you have or want to get private insurance as well, you are still allowed to use WA Cares along with your private insurance. You have a one-time choice to opt out of WA Cares if you prefer to only use private insurance, but that is a permanent choice and you will not have a chance to opt back into WA Cares if you need it in the future. To opt out of WA Cares, you must have purchased a qualifying private long-term care insurance plan before November 1, 2021. 

 

What does it cost? 

Starting in 2022, people working in Washington State will pay 0.58% of their earnings into the WA Cares Fund only when they are working. Unlike private insurance, you do not have to pay this when between jobs, out of the workforce, or after retirement, but your coverage under the benefit will still continue. This a pre-tax benefit, so you will not pay taxes on the portion of your paycheck that goes to the WA Cares fund, and your WA Cares benefit will not be taxed as income when or if you use it. 

Here’s what this means for some average income levels in Washington: 

Annual Income WA Cares cost annually WA Cares cost per week
$26,000 $150.80 $2.90
$52,075 $302 $5.80
$107,023 $620.73 $11.93

You are eligible for this benefit once you have contributed to the fund for ten years with a minimum of 500 hours per year and without a break of more than 5 years within those ten years, or if you have contributed three of the last six years at the time you apply for the benefit. 

Why does WA Cares exist, and why do essential worker unions support it? 

Long-term care costs can strain family budgets and savings at a time when you want to focus on staying healthy and getting the care you need. Private long-term care insurance exists, but it’s expensive, the premiums can be higher for people based on their gender and age, and you can be denied coverage due to preexisting conditions. In Washington, we’ve seen the number of companies offering long-term care shrink dramatically in the last decade: 

  • In 2001137 companies offering long term care insurance coverage in WA 

  • In 202110 companies offering long-term care insurance coverage in WA 

Some people will need more care than WA Cares can cover, but having an existing benefit in place means your family has time to receive all the care they need while making plans for the future. Some workers have long-term care insurance through a job, but that insurance may end if you leave your job, or the expensive premiums may fall on you to keep paying. Unlike WA Cares, private insurance requires you to keep paying your premiums even after you retire. 

For more information on the WA Cares program, visit wacaresfund.wa.gov or walongtermcareoptions.info

RESOURCES FOR WORKERS DURING THE COVID-19 OUTBREAK

Updating Regularly

En Español

UFCW 21 is building a powerful union that fights for economic, political and social justice in our workplaces and in our communities. We offer this list of resources gathered from social agencies, community, and allies to assist our members, future members, families, and communities during the COVID-19 outbreak. Our intent is to include as much information as possible to serve working people and most impacted communities, so feel free to share this within your networks. If you experience difficulty with accessing these resources, have additional helpful resources to add to this list, or suggestions on how we could better share this information, please contact us. To receive important updates from the union, be sure your contact information is up to date.

UFCW 21 UNION RESOURCES: 


INFORMATION ABOUT CORONAVIRUS / COVID-19 

Washington State Department of Health 

Washington State coronavirus hotline: 1-800-525-0127 (phone lines staffed from 6am to 10pm, seven days a week) 

Centers for Disease Control 

Centers for Disease Control website for Health Care Workers 

County Public Health Departments/Districts updates and guidelines: 

Coronavirus information by and for the disability community

World Health Organization’s “Myth-Busters” page


HEALTH CARE / HEALTH INSURANCE 

If you don’t currently have insurance:

A Special Enrollment Period has been extended due to the COVID pandemic, which means you can purchase insurance on our state health exchange anytime before August 15, 2021. The American Rescue Plan may also help you receive additional tax credits that could significantly decrease your monthly premiums. To enroll in health insurance through Washington Healthplanfinder:

  • Contact an Exchange-certified Broker, Navigator, enrollment center or the Customer Support Center at 1-855-923-4633; TTY: 855-627-9604, anytime 7:30 a.m. - 5:30 p.m. Monday-Friday to initiate coverage during this special enrollment period. Language assistance and disability accommodations are provided at no cost. For more information on getting free help from local experts, click here. 

In addition, current state health plan customers whose income has changed due to a reduction in work hours during the COVID-19 state of emergency, or anyone who has lost employment altogether, should report income changes. You may be eligible for Washington Apple Health or increased subsidy assistance to pay for your premiums. More information is available here.

Apple Health (Medicaid): In Washington State, Medicaid is called Apple Health. Apple Health provides preventative care, like cancer screenings, treatment for diabetes and high blood pressure, and many other health care services. Apply or get more info here.

Online/Telemedicine options from the Union Sound Health and Wellness Trust:

PPO Members:

Kaiser Permanente Members:

COVID-19 Updates and Resources from the Sound Health and Wellness Trust


HOUSING RESOURCES

Eviction and Rent Increase Moratorium

Governor Inslee has halted all evictions in residential or commercial properties in Washington State until at least June 30, 2021, unless a landlord, property owner, or property manager attests that an eviction is a response to a significant and immediate risk to the health, safety, or property of others created by the resident or the property owner is going to begin living in the unit or selling the property. This means landlords, property owners, and property managers in our state are not allowed to evict or threaten to evict tenants who can’t pay rent. They are not allowed to issue any kind of notice that would require a tenant to vacate a housing situation, including: eviction notice, notice to pay or vacate, notice of unlawful detainer, notice of termination of rental, or notice to comply or vacate.

They also cannot charge (or threaten to charge) late fees for nonpayment or late payment of rent. They cannot send tenants to collections over unpaid rent unless they can show a court that they offered the tenant a reasonable repayment plan based on the individual circumstances of that tenant. And they can’t charge rent for housing that’s not accessible or able to be used right now because of COVID-19.

  • If you have received a notice to pay or vacate, a court summons, a 20-day notice, or anything related to a potential eviction: You or an advocate can report a potential eviction to the state Attorney General’s office through the form on their website, by email at civilrights@atg.wa.gov, or contact them via phone at (833) 660-4877 and leave a general message by selecting Option 1.

Other housing resource information:

The Tenants Union of Washington has more information on tenants’ rights, including a tenant hotline. Find phone numbers and hotline hours here.


REDUCED HOURS / TEMPORARY SHUTDOWNS / QUARANTINE / UNEMPLOYMENT 

Washington State’s Employment Securities Department has a website for workers who are affected by the coronavirus outlining what state benefits are available to you if you are: 

  • Quarantined 

  • Ill or being tested 

  • Affected by reduced hours, temporary shutdowns, or layoffs 

  • Facing loss of employment 

and other scenarios related to coronavirus/COVID-19. We have been working closely with our state to ensure members have access to as many benefits as possible. 

Unemployment Law Project can give free legal advice about unemployment benefits. Free interpretation is available for all languages.


DISCRIMINATION 

Our allies at Asian Pacific American Labor Alliance (APALA) have helpful information about how to fight discrimination against Asian American and Pacific Islander working people during this coronavirus outbreak. 

King County Public Health has an outline of public resources for people facing discrimination during this outbreak and for talking to others about why stigma and discrimination are harmful.

National Center for Transgender Equality’s guide for trans people around COVID-19 (includes links to LGBTQ-friendly medical providers databases)


IMMIGRATION 

Many community members may have questions about how their immigration status could impact their ability to access medical care. The Northwest Immigrant Rights Project has information in English and Spanish.

Tenga o no documentos legales, usted tiene el derecho de recibir atención médica. El recibir atención médica en el estado de Washington no le afectará en el momento que pueda arreglar su situación migratoria.

Para más información legal, vea este video de parte del Proyecto para los Derechos del Inmigrante del Noroeste.

Si desea más información sobre la “Carga Publica,” vea esta liga.

DACA Scholarship Fund: Thanks to the Seattle Office of Immigrant and Refugee Affairs, Facebook App & El Centro de la Raza, $75,000 will be available to cover DACA renewal fees. Scholarship funds are available to individuals who have or previously had DACA status, have a completed DACA renewal application, and who reside in Seattle, or work in Seattle, or go to school in Seattle. Successful DACA scholarship grantees will receive a check made out to the Department of Homeland Security to submit with their DACA renewal application. All application processes will require the completion of an eligibility form and a 30-minute video or phone appointment with an El Centro staff member.

Fondo de Becas Para DACA: Gracias a la Oficina de Asuntos de Inmigrantes y Refugiados de Seattle, Facebook y El Centro de la Raza, $75,000 estarán disponibles para cubrir las tarifas de renovación de DACA.

Our community allies are offering resources to those in need:

OneAmerica resources:

https://weareoneamerica.org/2020/03/23/covid-19-coronavirus-resources-for-immigrants-recursos-para-inmigrantes

WSCADV resources:

https://wscadv.org/news/response-to-coronovirus-resource-round-up


CHILDCARE 

Public Health guidelines for gatherings of children and youth while schools are closed

Washington State’s database of licensed childcare providers (call 1-800-446-1114 for help from a child care specialist if you’re not sure what you’re looking for)

Childcare assistance for members of federally recognized tribes

KING COUNTY:

Emergency childcare support may be available at no cost if you work in health care, a pharmacy, or a grocery store in King County. When accessing these resources, ask for a union childcare provider if available.

  • If you are in the city of Seattle, fill out this form to request childcare

  • If you are in King County but outside the city of Seattle, you should call Child Care Resources at 1-800-446-1114 and let them know where you work and that you need childcare.



UTILITIES 

If you are worried about paying utility bills, contact your local utility and see if you are eligible for a deferred payment plan if your financial stability has been jeopardized by COVID-19. 

Puget Sound Energy will not have customers accrue late fees during this time and will not be disconnecting customers. at this time. They have options such as payment plans and new billing dates.

Seattle: 

If you are experiencing financial hardship because of COVID-19, call Seattle City Light and Seattle Public Utilities at 206-684-3000 to set up a deferred payment plan. They will help keep your utility service going uninterrupted. Translation services are available over the phone.  

The City of Seattle has pledged to keep all customers’ utilities on for the duration of the COVID-19 Civil Emergency period.  

Seattle also has a Utility Discount Program offers income-eligible customers a 60% discount on their Seattle City Light bill and a 50% discount on their Seattle Public Utilities bill. 


FINANCIAL RESOURCES

Disaster Cash Assistance Program: Our state’s Department of Social and Health Services (DSHS) has activated the “Disaster Cash Assistance Program” starting April 27, 2020. If you are not eligible for other cash benefits, you can apply for help with DSHS. Applying requires a phone interview. Call 877-501-2233 to apply, or apply online at WashingtonConnection.org and then call the same number to complete your interview. They can determine your eligibility for all available programs through one interview.

NOTE: DSHS warns that many people are calling and you may have to wait—they recommend calling before 11am.

Financial assistance is available through the Washington State Labor Council’s Foundation for Working Families.

Washington State has compiled a list of financial resources for people in our state.

Emergency Assistance Program through our state’s Economic Services Administration can offer emergency food assistance, cash assistance, and medical assistance. More info here.


 MENTAL HEALTH 

A guide to “Taking Care of Your Mental Health in the Face of Uncertainty” from the American Foundation for Suicide Prevention.

If you or a family member needs emotional or mental health support, or treatment resources for substance use, please consider calling the Washington Recovery Help Line at 1–866–789–1511.

Resources for people in crisis:

List of Alcoholics Anonymous online meetings

Substance Abuse and Mental Health Service Administration’s National Helpline: 1-800-662-HELP (4357) SAMHSA’s National Helpline is a free, confidential, 24/7, 365-day-a-year treatment referral and information service (in English and Spanish) for individuals and families facing mental and/or substance use disorders.


DOMESTIC VIOLENCE, SEXUAL ASSAULT, & STALKING

We know that home is not a safe place for everybody, and that people are being quarantined or spending more time at home right now. Please reach out if you need support. 

  • National Domestic Violence Hotline: 800-799-SAFE; or 800-787-3224 (TTY) 

  • King/Snohomish/Pierce County Deaf Hotline: 206-812-1001 (videophone) 

  • NW Network of Bi, Trans, Lesbian and Gay Survivors of Abuse: 206-568-7777 

  • API Chaya (culturally competent safety services for API & South Asian people): 1-877-922-4292 

  • ReWA (for immigrants and refugees): 206-721-0243 

From our allies at the Washington State Coalition Against Domestic Violence, more resources:


RESOURCES FOR KIDS 



INTERNET ACCESS


UNION JOBS NOW HIRING


Frequently Asked Questions from UFCW 21 Members about coronavirus/COVID-19

En Español

Note to all members: One of the most important ways we can prevent the spread of this illness is to stay home from work if you are feeling ill. If you have any questions about your right to stay home from work, contact your Union Rep or the Rep of the Day immediately 206-436-6578. The UFCW 21 office number is 1-800-732-1188

If you believe your employer is not following proper safety guidelines or you would like to report safety concerns, send your name, workplace, contact information, and a description of your concerns to: safetyreport@ufcw21.org

Frequently asked questions from members about novel coronavirus/COVID-19  

For Frequently Asked Questions for Health Care Workers Scroll down further

Note: we will continue to update this post as questions arise and new information becomes available. 

Q: How serious is the illness caused by this new virus?  

A: According to King County Public Health, it appears that the majority of the reported illnesses are mild, with fever and cough, but a smaller percentage of cases are severe and involve pneumonia, particularly in elderly people and people with underlying medical conditions. People have died of this illness, so it’s important to try and stop it from spreading as best we can. 

Q: Who is in a “high risk” category for serious illness from this virus? 

A: Because this is a new virus, scientists and public health experts are still studying it. Currently, the national Centers for Disease Control (CDC) says the highest risk categories are older adults and people who have serious chronic medical conditions like heart disease, diabetes, and lung disease. The list of health conditions that may put you at higher risk has changed as new research is done, so it’s a good idea to check the CDC’s website for up-to-date info if you have questions. Note: If you are over 65 or in a medical high-risk category, you have specific rights at work in Washington to help protect your safety. Find a page about those rights here.

Q: I feel sick, what should I do? 

A: If you have symptoms like a cough, fever, shortness of breath, or other respiratory problems, you should call your health care provider or the Washington State COVID hotline at 1-800-525-0127 (this hotline is open 6am to 10pm Mon-Fri, 8am to 6 pm weekends & holidays). In King County, you can reach the county’s call center from 8am to 7pm at (206) 477-3977. Call your health care provider before you go in to see them so they can prepare their staff and stay safe while they treat you. You should also stay home from work and away from public places. 

Q: I feel sick, but I don’t want to stay home from work.  

A: One of the absolute most effective ways to prevent the spread of this illness is to stay home if you are sick. We have fought hard for the right to paid sick leave and other leave language in our contracts, and we have the right to use it. Under Washington State paid sick leave, your employer cannot ask you for a doctor’s note until the 3rd day of your illness, and they cannot retaliate against you for taking your paid sick time. Many contracts have additional sick leave, PTO, or other leave benefits you may be able to utilize. Use your contract and ask a Shop Steward if you need help.  

Q: I feel sick, but I’m out of paid sick time.  

A: You should let your manager know as soon as possible that you feel unwell and need to go home or stay home. Our employers should be following the CDC’s best practices for employers right now, which includes encouraging people to stay home when they are sick, and we are talking to employers at the highest level to ensure members can stay safe. Many workplaces have negotiated COVID agreements that include If you have any issues, call your Union Rep or the Rep of the Day as soon as you can so they can help. 

Q: What should I do During school closures IF I don’t have childcare?  

A: Both Washington State and the City of Seattle have made clear that you can use Paid Sick Leave when your child’s school is closed and you don’t have childcare. We are working with employers regarding the importance of following public health guidelines during an outbreak, which includes being flexible about giving workers who need to stay home access to paid leave. We are also working as quickly as we can with employers, our friends in the labor movement, community allies, public agencies, and our state government to find more childcare solutions. This is an emerging situation and we will keep you updated as we get new answers. Your Shop Steward or Union Rep are ready to help you advocate for yourself and your family if you are navigating a difficult circumstance. 

Q: Will I have access to pay or benefits if I am quarantined due to COVID-19?  

A: Washington State has made an emergency ruling that health care workers and first responders have access to workers compensation benefits if they are quarantined. We are currently working with the state and our employers to ensure everyone has access to paid leave and benefits if they are quarantined. If you or a coworker is quarantined, contact your Shop Steward or Union Rep as soon as you can. 

Q: How can I make sure my employer is following proper safety guidelines for my workplace?  

A: Your employer should be providing you with access to hand sanitizer and tissues, hands-free garbage cans to throw away tissues, breaks for hand washing, and should be ensuring that all high-touch surfaces in your work area are cleaned regularly. The guidance we have received from public health experts is that the frequency of cleaning and sanitizing work areas and customer areas depends on the level of use and level of contact. Employers should ensure the hourly cleaning and sanitizing of common surfaces or surfaces that get regular contact. If the level of use/contact by customers or workers is high, they may need to be cleaned even more frequently. King County Public Health issued guidelines for retail food establishments on March 5.

Q: Should I be wearing a mask to work?

A: The recommendations have changed over time, but at this point it is clear that masks are very likely to help prevent the spread of COVID and in Washington they are required in many situations. Your employer should be providing you with all appropriate protective equipment for doing your work safely and complying with safety regulations. You can find a document that covers which masks are appropriate for what kind of work situation right here.

Q: WE HAD A CONFIRMED COVID-19 CASE AT MY WORKPLACE, WHAT IS MY EMPLOYER SUPPOSED TO DO TO MAKE SURE OUR WORKPLACE IS CLEAN AND SAFE?

A: The CDC has guidelines for cleaning, disinfecting, and sanitizing public places and workplaces. Anyone who is involved in this process should be given adequate training and appropriate PPE for the cleaning and chemicals used. Your employer should follow the CDC’s guidelines, and if they do not, you should let your Union Rep know or email us at safetyreport@ufcw21.org.

Frequently asked questions from health care members 

Q: WHAT ARE THE STATE’S GUIDELINES FOR COVID SAFETY IN HEALTH CARE SETTINGS?

A: In September 2020, our state’s Department of Health and Departments of Labor and Industries responded to concerns from health care workers experiencing outbreaks at their hospitals with very clear, enforceable guidelines for health care workers and employers regarding PPE, training, infection control, and more. You can find that document, called a Joint Hazard Alert, right here.

Q: Is my employer required to provide me with personal protective equipment (PPE)? 

A: Your employer is required to provide you with any and all equipment required to do your job safely and training to use it correctly. The CDC is offering guidelines for health care workers, and you should review these regularly to stay up to date and ensure your employer is complying with these guidelines.

You can find CDC guidelines here.

Their Frequently Asked Questions document, covering PPE for transporting patients, asymptomatic patients, and EVS workers, is here.

Q: I heard the CDC CHANGED their interim guidelines for what kind of precautions and PPE we should be using, is that true? 

A: As of 3/10/20, the CDC has updated their interim guidelines to say that when there are limited supplies of PPE like N95 masks and PAPRs, facemasks are an acceptable alternative. During a time of respirator shortage, “available respirators should be prioritized for procedures that are likely to generate respiratory aerosols.” When the supply chain of respirators is restored, health care personnel should return to using respirators when caring for patients with suspected or confirmed COVID-19. We are advocating with government bodies and employers for health care workers’ right to the highest level of protection at work while also maintaining enough PPE for everyone. You can find our most recent public releases on this issue here and here

Q: What should I do if I am asked to do something I think is unsafe? 

A: We have a whole separate Q&A on your right to refuse unsafe work assignments. If you are being asked to do something unsafe at work, you should call your Union Rep (or call 1-800-732-1188 to be connected) or call the UFCW 21 Rep of the Day 206-436-6578.

Q: Do I have to use my PTO if I am exposed to COVID-19 at work and quarantined?  

A: We expect employers to put workers on paid leave when they are quarantined, and many health care employers have already agreed to use Paid Admin Leave. The State of Washington has also ruled that health care workers and first responders can access L&I benefits when they are quarantined. 

Q: I received a letter from employee health notifying me that I was exposed to a patient that recently tested positive for COVID-19 and that I was to stay home in quarantine for the next 14 days. But my manager said I just needed to mask up and come in to work, is that true?  

A: Public Health officials ask that people who have been exposed to a communicable disease to stay at home and avoid contact with other people. If you are asked to come into work after being advised to stay home due to exposure, contact your Shop Steward or Union Rep immediately. If you have symptoms like a cough, fever, shortness of breath, or other respiratory problems, you should call your health care provider or the Washington State hotline at 1-800-525-0127 and press #.

If you have further questions:  

Our main office line: 1-800-732-1188  

Rep of the Day line: 206-436-6578 

 Look up your Union Rep and their contact info: ufcw21.org/find-a-contract 

We are monitoring this situation and updating our website at: ufcw21.org/safety-at-work  

If you believe your employer is not following proper safety guidelines or you would like to report safety concerns, send your name, workplace, contact information, and a description of your concerns to: safetyreport@ufcw21.org