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Arguments For and Against
Arguments For
Supporters argue workers should have the freedom to choose their own long-term care insurance rather than being forced into a government program with limited benefits.— Let's Go Washington
Proponents contend the state program's $36,500 lifetime benefit is inadequate for actual long-term care costs, which average over $100,000.
Arguments Against
Opponents argue that allowing opt-outs would collapse the risk pool, making the program unsustainable and leaving the most vulnerable workers without coverage.— AARP Washington
Critics contend that most private long-term care insurance is expensive and has limited availability, leaving many workers with no coverage if the state program fails.