Billing / Payment Information

This section provides billing information for enrollees of the Federal Long Term Care Insurance Program (FLTCIP). If you cannot find the information you're looking for in this section, please email us using our secure mail form or call us.

Select an option below:

• Where do I mail my premium payments?
• How can I change how I pay my premiums?
• What's the schedule for my monthly bill, automatic bank withdrawal, or payroll / annuity deduction?
• What happens if I miss a payment?
• Additional billing / payroll questions

Where Do I Mail My Premium Payments?

If you have direct bill as a payment option, you can mail your premium payments here.

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How Can I Change How I Pay My Premiums?

The Federal Program offers you three premium payment options:

• Direct Bill
• Payroll or Annuity/Pension Deduction
• Automatic Bank Withdrawal

If you would like to change your premium payment option, please download a Billing Change Form. Follow the instructions on the form, sign it, and send it to:

Long Term Care Partners, LLC
PO Box 797
Greenland, NH 03840-0797
Fax: 603-433-3804

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What's the Schedule for My Monthly Bill, Automatic Bank Withdrawal, or Payroll / Annuity Deduction?

If you pay premiums through Direct Bill, we mail bills on the second Thursday or Friday of each month. Please allow 7-10 business days to receive your bill depending on your location.

If you pay premiums through Automatic Bank Withdrawal, we deduct premiums from your bank account on the 3rd business day of every month.

If you pay premiums through payroll or annuity deduction, we deduct premiums from each payroll or annuity payment you receive.

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What Happens if I Miss a Payment?

Grace Period

If you miss a premium payment, the grace period on bills is 30 days. If the payment has been received after the bill for the next month has already run then it will not reflect as paid on the billing statement for the current month.

Termination for Non-Payment

If no payment is received for two consecutive months a termination warning letter is mailed along with the bill on the third month. If no payment is received within 35 days from the date on the letter, the coverage is terminated retroactively to the last date in which your premiums have been paid. If you still wish to have coverage after this occurs, you need to follow the reinstatement procedures described in our Benefit Booklet.

After an account is terminated for non-payment we do not attempt to collect the outstanding amount due at the time of termination. However, if you wish to reinstate and continue with your coverage, you will be expected to pay your back premiums to date.

Protection Against Unintended Lapse

Protection Against Unintended Lapse allows you to specify a third party to notify when your account is about to terminate for non-payment. This third party can be a friend, spouse, or whomever you trust to appoint.

The purpose is to give you every opportunity to be notified of the impending lapse in coverage and to make a payment before termination. We strongly recommend you take advantage of this protection.

As a current enrollee, you had the opportunity to designate a third party as your Protection Against Unintended Lapse on the application you submitted for coverage under the FLTCIP. If you would like to change the person you originally designated or if you elected not to designate someone and would like to do so at this time, please contact our Customer Service Department at 1-800-582-3337 (TTY: 1-800-843-3557). The change will take effect immediately.

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