Federal Long Term Care Insurance Program

Home

Who's Eligible?

Plan Details & Cost

Information & Forms

Apply

Help

My Account

Home

Print-Friendly Page Version

Change Type Sizes

Inflation Protection Options
Frequently Asked Questions

This section of the website will provide you with answers to the following:

What is inflation?

Why is it important to have inflation protection in long term care insurance coverage?

What does the FLTCIP offer for inflation protection?

The Automatic Compound Inflation Option

What is the difference between the 4% and 5% automatic compound inflation options?

The Future Purchase Option

What have the past Future Purchase Option (FPO) increases been and what were they based on?

Why does the inflation index used to calculate the FPO increase differ between FLTCIP 1.0 and FLTCIP 2.0?

Which inflation option should I choose?

The Inflation Option Tool allows you to view how the 4% and 5% Automatic Compound Inflation Options could impact your benefits.

The Federal Long Term Care Insurance Program is
sponsored by the U.S. Office of Personnel Management,
offered by John Hancock Life & Health Insurance Company, Boston, MA 02117,
and administered by Long Term Care Partners, LLC