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An estimated 56% of people turning 65 will need long-term care in their lifetime, according to the AARP. On average, much of the care is done by unpaid caregivers and friends helping with day-to-day activities. But a program in Washington is designed to help provide seniors to get the care they need.

WA Cares Fund is the first state-run program for long-term care insurance. It is funded by a mandatory surcharge on payroll taxes in Washington state. After contributing for 10 years, Washington residents qualify for benefits, which could be used for various services including: home care, transportation, adult day programs, home modifications and compensation for family caretakers.

Paula Span writes the New Old Age column for the New York Times and KFF News and wrote about this program, which started offering benefits this month. She joins us to share more on why this program is needed and the impact it could have.