WISH Act

The WISH Act would create a federal long-term care insurance program to help seniors cover costs of long-term care services. It would provide monthly benefits to seniors who have a serious disability lasting at least a year, have met coverage requirements (6 quarters of coverage in the base period starting in 2026), and have not exhausted their savings. Benefits would be calculated based on the median cost of personal assistance care and the individual's work history. The program would be funded through an initial $12 million appropriation for each of fiscal years 2026-2028, plus $50 million for public education. This would help seniors avoid exhausting their savings or becoming dependent on Medicaid for long-term care costs.