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Benefits Provided by the Federal Long Term Care Insurance Program (FLTCIP)
Covered Services
Covered Services under the FLTCIP are those you receive while in a Nursing Home, Assisted Living Facility, or Hospice facility, plus Covered Services you receive at home or an Adult Day Care Center. Coverage also includes Informal Caregiver services, Hospice Care, Respite Care, Bed Reservations and a Stay-At-Home Benefit which covers expenses for care planning visits, home modifications, emergency medical response systems, durable medical equipment, caregiver training, and home safety checks.
We will only pay benefits for covered services if:
- you are eligible for benefits and, where required, have satisfied the waiting period; and
- they are part of a written plan of care approved by us.