Federal Long Term Care Insurance Program (FLTCIP)
The Federal Long Term Care Insurance Program (FLTCIP) provides long term care insurance to help pay for costs of care when you need help with activities you perform every day, or have a severe cognitive impairment, such as Alzheimer's disease.
Attention: Federal Family members affected by the recent natural disasters
Long Term Care Partners, LLC, the administrator of the Federal Long Term Care Insurance Program (FLTCIP), is prepared to work with any enrollee who lives or is stationed in the areas affected by the recent natural disasters and misses premium payments during this time of crisis. We will make arrangements with each affected enrollee to bring your account up-to-date. Your FLTCIP coverage will not be canceled.
New and newly eligible employees who live in an affected area and are unable to apply for the FLTCIP within 60 days of becoming eligible will receive an extended opportunity to apply using abbreviated underwriting.
If you have any questions, please contact our Customer Service Center at 1-800-LTC-FEDS
(1-800-582-3337) TTY 1-800-843-3557 Monday through Friday, 8 a.m. to 6 p.m. (ET).
The return home from combat can often leave servicemembers feeling out of place with the most important people in their lives - their families.
"In deployment, Soldiers grow accustomed to a new lifestyle and a new 'family' - those buddies that bond together to defend each other," said Maj. Ken Williams, 14th Military Police Brigade chaplain. "This lifestyle change is prolonged and becomes familiar, i.e., the new normal."
The families also change while the Soldier is deployed.
"The family is a system," Williams said. "When one family member is absent, the whole system changes. All members of the family adapt to a new 'normal' way of life."
When the servicemember returns, the family may feel uncomfortable with each other, and the servicemember may withdraw from the family.