September 23, 2021

Message from Secretary Treasurer Greg Markley

After much consideration, TrustMark has agreed to extend the special enrollment for the WSCFF plans through October 10, 2021. Due to the plan’s popularity, we DO NOT recommend waiting until the last day. This will be your LAST opportunity to secure an opt-out eligible plan before the November 1 deadline, as required by the new law.


  • Call 844-754-6266 to schedule an enrollment call with an ACSIA representative
  • OR, Self-Enroll: CLICK HERE and see tips below for using the self-enrollment portal:
    • Click on the “New Employee” link below the login box and register an account. You will be asked to designate a PIN number.
    • Please remember your PIN number when you register as you will be asked to re-enter this number should you need to login again to finish your application at a later time.
    • Once your enrollment is complete, you will be asked to sign the form. Once you click “Sign Form”, you will see a Benefit Confirmation sheet (see attached sample) and then a “Congratulations on Enrolling” message will appear, indicating that you’ve successfully enrolled. There are no electronic documents sent by TrustMark at this time and the benefit confirmation is the only confirmation you will receive.
    • Please remember your PIN number when you register as you will be asked to re-enter this number should you need to login again to finish your application at a later time.
    • If you are enrolling a spouse, you’re spouse will apply within your account. They should not register for their own account.
  • Watch a pre-recorded webinar HERE

 Please note that it may take 10-20 days before your policy is processed and put in the mail. Spouses may be delayed due to additional underwriting, which means those policies will be mailed separately from the employee’s policy. 

If you wish to sign up for a consultation with an ACSIA representative, please do so sooner than later as they are currently experiencing about a 3-day turnaround on call backs as we approach the enrollment deadline. Please let Becky Wallen know if you run into any issues and She will do her best to make sure someone from ACSIA contacts you as soon as possible.

As always, call with any questions.

Greg  Markley 360-943-3030


Next steps in waiving the Long-Term Care Tax

  • The exemption process will be open on October 1, 2021 on the Employment Security website or through Secure Access Washington
  • You will need an account with Secure Access Washington (SAW), if you do not already have a SAW account you can set one up now prior to the application process
  • Once you login go to the link for EXEMPTION. You will be required to fill out an attestation of Long-Term Care coverage prior to November 1, 2021
  • You will also need to upload proof of identification (WA State Driver License)
  • Employment Security will determine if you qualify for the exemption, if so they will mail you an approval letter (U.S. Mail)
  • Submit a copy of the approval letter to Human Resources to be waived from the LTC tax
  • Employers do not have the ability to decide if you will be waived from the LTC Tax
  • Exemptions will take effect the quarter after your application is approved

An employee who attests they purchased long-term care insurance before November 1, 2021, may apply for an exemption from the  premium assessment under RCW 50B.04.080. The employment security department must accept applications for exemptions only from October 1, 2021, through December 31, 2022.


Background: WSCFF partners with TrustMark to bring members a solution to opt out of Washington’s Long Term Care Tax

Washington State is implementing the first publicly funded long term care (LTC) program in the nation, which will provide working residents of the state with basic support should they qualify for assistance with regular daily activities such as eating, bathing or mobility. Workers with private LTC insurance will have the opportunity to opt out of the program by applying for an exemption. In order to opt out, your private LTC policy must be in effect no later than November 1, 2021. This is your ONE-TIME opportunity to opt out of the Washington State tax. 

About Washington’s Long Term Care Trust Act

  • The program will be funded via a payroll tax beginning January 1, 2022
  • Workers will be required to pay a career-spanning tax of 0.58% tax on their income (with no cap). For example, a person earning $100,000/year can expect to pay $580/year.
  • Workers will have access to a lifetime benefit up to $36,500 that will be adjusted annually for inflation.
  • There is a 10-year vesting period for the program with no benefits payable until 2025.
  • The benefit will only be available to Washington State residents and is not portable should you retire outside the State.
  • Learn more here: 

Opting Out: Why you may want to consider a private LTC plan

  • Personalized plans at affordable premiums based on issue age.
  • Two in one protection with both life insurance and long-term care benefits.
  • Complete portability – retire anywhere you’d like and still be able to access your benefit.
  • Great option for individuals with increasing income/assets to protect, especially the younger population
  • Learn more here:

If you enroll between August 4th and September 15th, your policy will be effective on October 1, 2021. It is your responsibility to apply for the opt out exemption through the Employment Security Department (ESD). The application process for exemption opens on October 1, 2021. Once approved, you will be provided with a certificate that you will give to your current employer (and any future employer) allowing them to waive the Washington LTC income tax.