About the Program

Most Federal employees and annuitants, members and retired members of the uniformed services, qualified relatives, and others are eligible to apply for the Federal Long Term Care Insurance Program (FLTCIP). It was created by an act of Congress called the Long-Term Care Security Act (Public Law 106-265) and signed into law by the President of the United States.

The FLTCIP is the largest employer-sponsored long term care insurance program in the country. Coverage through the program is offered on a voluntary basis and premiums are paid fully by the enrollees.
 

Program Beginnings

The U.S. Office of Personnel Management (OPM) serves as both sponsor and regulator of the FLTCIP. In June 2001, OPM issued a Request for Proposal, inviting interested bidders to submit their plans and costs for underwriting and administering the FLTCIP.

On December 18, 2001, OPM awarded a contract to John Hancock Life Insurance Company (John Hancock) and Metropolitan Life Insurance Company (MetLife), two of the top long term care insurance companies in the nation, who formed a company for the sole purpose of administering the FLTCIP (Long Term Care Partners, LLC).
 

The Program Today

With over 211,000 enrollees, the FLTCIP is the largest employer-sponsored long term care insurance program in the country and it continues to grow.

Please use the links at the left for additional information.