Paying for Senior Care in Washington

A comprehensive 2026 reference guide covering all five payment paths for Washington State senior care: Medicaid via the COPES waiver, long-term care insurance, VA Aid & Attendance, private pay, and home equity. With current figures, eligibility thresholds, and the common mistakes that cost families months.

What’s inside

• Complete 2026 COPES eligibility: $2,000 asset limit, $2,901/month income, community-spouse resource allowance breakdown
• TSOA as the next rung up ($84,354 for seniors 55+)
• The five LTC insurance policy terms that drive 90% of outcomes
• VA Aid & Attendance 2026 benefit rates for all beneficiary categories
• Private-pay ranges for AFH, ALF, and memory care in Pierce County
• How reverse mortgages work for couples with one spouse staying home
• A comparison table of all five payment paths
• Key phone numbers for every relevant agency

Who it’s for

Families in Pierce County and South King County trying to figure out how to pay for senior care — especially families who just learned that Medicare doesn’t cover long-term custodial care and need to understand what actually does. Useful alongside our paying for senior care hub.

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