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Private long-term care insurance often won't insure people with pre-existing conditions or disabilities or will require they pay more. say it's important that WA Cares allows participants to pay family caregivers to help with their needs Private long-term care insurance rarely allows for direct payments to family caregivers.doi:10.26419/res.00498.002 fatcat:lfo6ykksdrbydnahsfrmhuz3ki