Federal Long Term Care Insurance Program (FLTCIP)
As part of your federal benefits, you and your qualified relatives are eligible to apply for coverage under the Federal Long Term Care Insurance Program (FLTCIP). Since its launch in 2002, the FLTCIP has offered active and retired members of the uniformed services the opportunity to help take control of their future long term care needs. Even if you do not apply, consider how a spouse, parent, or other Family member may benefit from this important coverage. Share this information with your Family today.
The U.S. Office of Personnel Management (OPM) suspended applications for coverage under the Federal Long Term Care Insurance Program (FLTCIP) effective December 19, 2022. The suspension will remain in effect for 24 months, unless OPM issues a subsequent notice to end or extend the suspension period. https://www.ltcfeds.com/ will have current information about the program throughout the suspension period.
Current enrollees' coverage status will not change as long as they continue to pay premium. For those in a claim status, there is no change to coverage or the claims reimbursement process as long as benefits have not been exhausted.
- Regular Army: Active Duty
- Regular Army: Retired
- Army National Guard: Active Duty Under Title 10 USC or Title 32 USC (Full-Time National Guard Duty)
- Army National Guard: State Active Duty
- Army National Guard: Drilling
- Army National Guard: Retired
- Army Reserve: Active Duty
- Army Reserve: Drilling
- Army Reserve: Retired
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.