The FLTCIP is offered to Federal and U.S. Postal Service employees and annuitants, active and retired members of the uniformed services, certain other eligible groups, and their qualified relatives.


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Eligibility

Eligibility

Who is eligible to apply for coverage under the Federal Long Term Care Insurance Program?

Employees | Annuitants | Qualified Relatives

Many members of the Federal family are eligible to apply for coverage under the Federal Long Term Care Insurance Program (FLTCIP) including Federal and U.S. Postal Service employees and annuitants, active and retired members of the uniformed services, and qualified relatives. Check the lists below to see if you are eligible to apply for coverage:

Employees

  • Federal employees in positions that convey eligibility for the Federal Employees Health Benefits (FEHB) Program (whether or not they are actually enrolled)
  • U.S. Postal Service (USPS) employees in positions that convey eligibility for the FEHB Program (whether or not they are actually enrolled)
  • Active members of the uniformed services who are on active duty or full-time National Guard duty for more than 30 days, including:
    • Active members of the Selected Reserve (members of the Individual Ready Reserve are not eligible to apply)
  • Other eligible employees:
    • Tennessee Valley Authority employees (even though they may not be eligible for FEHB coverage)
    • D.C. Government employees who were first employed by the D.C. Government before October 1, 1987
    • D.C. Courts employees
    • Navy Personnel Command (BUPERS) employees
    • Nonappropriated Fund (NAF) employees

Annuitants

  • Federal or USPS annuitants
  • Retired members of the uniformed services who are entitled to retired or retainer pay, including:
    • Retired grey reservists, even if they are not yet receiving their retired pay
  • Other eligible annuitants:
    • Deferred annuitants
    • Separated employees with title to a deferred annuity, even if they are not yet receiving that annuity
    • Tennessee Valley Authority annuitants
    • Compensationers receiving compensation from the U.S. Department of Labor
    • D.C. Government annuitants first employed by the D.C. Government before
      October 1, 1987
    • D.C. Courts annuitants
    • BUPERS annuitants
    • NAF annuitants

Qualified Relatives

  • Current spouses of eligible employees
  • Current spouses of eligible annuitants (but not former spouses, even if receiving an apportionment of annuity)
  • Surviving spouses receiving a survivor annuity (and his or her current spouse)
  • Parents, parents-in-law, and stepparents of living eligible employees (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 eligible employees or annuitants (including adult children of surviving spouses receiving a survivor annuity)
  • Same-sex domestic partners of Federal or USPS employees or annuitants, other than that of active or retired members of the uniformed services, who have submitted (either directly or through their partners) a form affirming this status to the partner's employing agency or retirement system

Apply today

Apply Today!

Federal family members can apply for coverage anytime—you do not have to wait for the next open season. Premiums are based on your age at the time of application—the younger you are when you apply, the lower your premium will be.

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