Specializing in Next Level Long-Term Care and Benefit Solutions for the Workplace and Family Offices
Contact Christine Schuster Khemis, CEO, MBA, CLTC for a FREE Consultation about how to attract and retain top industry talent with strong executive compensation and employee benefit packages:
WA Cares 2026: What Employers and Employees Need to Know
Updated Program — Informed Today for a Stronger Tomorrow
The WA Cares program continues to evolve. LTC Operations USA helps Washington employers, HR professionals, and employees navigate the updated program through objective education, executive briefings, and workforce seminars.
What's Changed
Recent legislative updates — including SB 5291 — have strengthened Washington's long-term care program and introduced new considerations for employers, HR leaders, and employees.
Key Topics Covered
- Legislative Updates: SB 5291 and Beyond
- What Changed and Why It Matters
- Employer Responsibilities and Opportunities
- Employee Questions Answered
- Portability and Benefits
- Planning Strategies and Next Steps
Ways to Engage
- Executive Briefings — Strategic insights for business leaders
- HR Leadership Seminars — In-depth training for HR teams
- Employee Education — Help your workforce stay informed and prepared
- Live Webinars — Convenient, interactive, expert-led sessions
- Private Employer Sessions — On-site or virtual sessions tailored to your organization
Presented By
Christine Khemis, CEO, MBA, CLTC, Founder
LTC Operations USA — Preparing for What Comes Next
Christine Schuster Khemis, CEO, MBA, CLTC Founder
Licensed Insurance Agent
Specializing in Long Term Care Insurance Solutions
Snohomish, WA
Licensed In: WA, AL, AK, AZ, AR, CA, CO, FL, GA, HI, ID, LA, MD, MI, MN, MA, MO, NV, NC, OH, OK, PA, TN, TX, WI
Main Phone: (206) 605-9184
Email: ckhemis@ltcoperationsusa.com
Specializing exclusively in long-term care planning for individuals and spousal/significant other discounts; executive carve out and employee/worksite applications providing underwriting concessions and group rates; tax qualified and state partnership plans are available.
Resources
Brochure for Employers
Expand Your Employee Benefits with LifeSecure
For families and individuals: hospital, critical illness, accident insurance, hospital indemnity
Build a Better Benefits Package with LifeSecure Ancillary Products
Customizable Flyer for Employers – We can personalize the box with your name and contact information, then provide you with a new link that points directly to that version of the flyer.
Accident Insurance
Personal accident insurance with disappearing deductible
Critical Illness Ins.
To help protect your family, lifestyle, and finances
Hospital Recovery Insurance 4.0
Customizable Flyer for Employers – We can personalize the box with your name and contact information, then provide you with a new link that points directly to that version of the flyer.
Hospital Recovery Insurance 3.0
Customizable Flyer for Employers – We can personalize the box with your name and contact information, then provide you with a new link that points directly to that version of the flyer.
Testimonial From a Client
How accident insurance helped me
How Can Accident Ins. Help
Short 2-min video clip
About LTC Ops USA
LTC Ops USA, a woman-owned business, is one of the country's most experienced distributors of long-term care and related insurance products and services. We are dedicated to offering quality long-term care education, service, and resources for the benefit of the consumer, employers, and our agents.
We work closely with the top LTCi companies, complementing their customer service. Through our excellent carrier relationships, we can provide education, planning recommendations and resources that best meet your individual needs.
We understand the financial and emotional stress that caregiving can place on a family. Working with a specialist who can provide solutions for long-term care is the key. Long-term care may be the single biggest financial risk that most Americans face – it could be the one thing that could force you to spend your retirement savings. LTC Ops USA specializes in analyzing every consumer’s individual needs and financial situation to select the best plan at an affordable premium.
We Provide Unbiased, Side-by-side Comparisons
Of the Leading Carriers in Your State
With Experts Specializing in Long Term Care Solutions!
LTC Ops USA’ passion is to provide our clients with the best long-term care insurance solutions, customized to meet their needs.
Get a Quote Here or Call Christine Schuster Khemis, CEO, MBA, CLTC at (206) 605-9184 to review available LTCI DISCOUNTS that may be available in your state.