Federal Long Term Care Insurance Program (FLTCIP)
Benefit Fact Sheet
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.
Most Federal and U.S. Postal Service employees and annuitants; active and retired members of the uniformed services, and their qualified relatives; are eligible to apply for insurance coverage under the FLTCIP.
Army National Guard Service member on federal active duty are eligible to apply for FLTCIP with full underwriting. Abbreviated underwriting, which asks fewer health questions, is available to Army National Guard Service member on federal active duty who are within 60 days of becoming eligible for the FLTCIP.
Long Term Care: Long term care is care that you need if you can no longer perform everyday tasks (activities of daily living ) by yourself due to a chronic illness, injury, disability, or the aging process. Long term care includes the supervision you might need due to a severe cognitive impairment (such as Alzheimer's disease).
Long term care is not intended to cure you. You may need chronic care for the rest of your life. This care can span years and can be expensive depending on the type of care you need and location where that care is received. Long term care insurance is one way of helping to pay for these expenses.
Care can be received in multiple settings, including home, assisted living facilities, nursing homes, adult day care centers, or hospice facilities. The FLTCIP also covers home care provided by informal caregivers such as friends, neighbors and Family members, who did not normally live with you at the time you became eligible for benefits.
Long term care is not the type of care received in the hospital or doctor's office or the type of medical care you need to get well from a sickness or an injury. In addition, it is also not short-term rehabilitation from an accident or recuperation from surgery.
FLTCIP 3.0 Plan Features: The FLTCIP offers four prepackaged plans, based on the most popular plan options, or plans can be customized to suit your individual needs. The following features need to be considered when choosing a plan under FLTCIP. Each of these features will affect the coverage and premium:
Daily Benefit Amount (DBA): The maximum amount the insurance will pay in any single day. FLTCIP offers daily benefit amounts from $100 to $450 in $50 increments.
Benefit Period: The length of time the insurance will last if care is received every day at a cost equal to or more than your DBA. The benefit periods offered under FLTCIP are 2 years, 3 years or 5 years.
Waiting Period: The waiting period under the FLTCIP is 90 days. The waiting period is the number of calendar days during which you must be eligible for benefits before benefits can be paid.
Inflation Protection Option: An option of FLTCIP that increases the value of benefits over time to keep pace with increasing costs of care. FLTCIP offers a choice of two inflation protection options - an Automatic Compound Inflation Option (ACIO), which increases your benefits automatically by 3% compounded annually with no corresponding increase in premium; and a Future Purchase Option (FPO), which increases benefits every 2 years with an increase in premiums. NOTE: Premiums are not guaranteed. Your premium will not change because you get older or your health changes or for any other reason related solely to you. Your premium may only increase if you are among a group of enrollees whose premium is determined to be inadequate. While the group policy is in effect, OPM must approve the change.
Calculating Premiums and Costs: The FLTCIP website (https://www.ltcfeds.com) provides a premium calculator to determine premiums for both Pre-Packaged and Customized plans. It also provides a tool that estimates long term care costs throughout the country. Click here for the FLTCIP Premium Calculator. NOTE: Premiums are not guaranteed. Your premium will not change because you get older or your health changes or for any other reason related solely to you. Your premium may only increase if you are among a group of enrollees whose premium is determined to be inadequate. While the group policy is in effect, OPM must approve the change.
Applying for FLTCIP: The FLTCIP website (https://www.ltcfeds.com) provides the ability to apply online or download applications. Or, you can apply by phone at 1-800-LTC-FEDS (1-800-582-3337) TTY 1-800-843-3557.
Qualified relatives who are eligible to apply for this coverage under FLTCIP include:
Current Spouses of eligible employees and annuitants
Surviving Spouses of active and retired Service members who are receiving a Federal survivor annuity (and their current Spouse)
Domestic partners (both same-sex and opposite-sex) of eligible employees and annuitants*
Parents, parents-in-law, and stepparents of living eligible active duty members (parents, parents-in-law, and stepparents of annuitants and retired members of the uniformed services are not eligible)
Adult Children (at least 18 years old, including adopted or Stepchildren) of living employees or annuitants (including adult Children of surviving Spouses receiving a survivor annuity). Foster Children are not eligible.
Please visit: https://www.ltcfeds.com/program-details/eligibility for the current eligibility listing.
**A Declaration of Domestic Partnership form must be submitted to the employee's agency or annuitant's retirement system before you apply. Visit the Eligibility section of our website for more information.
For more information, please visit the Federal Long-Term Care Insurance Program website at:
Or, call 1-800-LTC-FEDS (1-800-582-3337) TTY 1-800-843-3557.
Glossary of Terms can be found at https://cdn.ltcfeds.com/planning-tools/downloads/Book-2.pdf
Book One: Program Details and Rates: https://cdn.ltcfeds.com/planning-tools/downloads/Book-1.pdf
The FLTCIP is medically underwritten, which means you will have to answer questions about your health on your application. Certain medical conditions, or combinations of conditions, will prevent some people from being approved for coverage. You need to apply to find out if you qualify for coverage under this Program.