Guardian of
Financial Well-Being

Unlock Peace of Mind by Securing Your Finances for an Unforeseen Tomorrow

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:

Long Term Benefits

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

Upcoming Webinars

Long-Term Care Challenge for Your Employees - Trust Mark

Date: 17th Nov 2026

Days
Hours
Minutes
Seconds

WA Cares 2026: What Employers and Employees Need to Know

Date: Coming Soon

Days
Hours
Minutes
Seconds

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.

Testimonials

“Christine – thanks so much for your response and your assistance with this
process…..it has been invaluable!! Read More“

Shaun

LTC Operations USA

Preparing for What Comes Next

WEBINAR | REGISTER TODAY

Solving the Long-Term Care Challenge for Your Employees

Discover how long-term care (LTC) benefits can help your organization navigate the care crisis, support employees, and build a more competitive benefits package.

Featuring experts from LTC Operations USA and Trustmark Voluntary Benefits

Help your workforce prepare for the care challenges of tomorrow.