A picture of a woman representing a FLTCIP enrollee The Federal Long Term Care Insurance Program
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Enrollee Information Icon How Do I File A Claim? Step 1  Step 2  Step 3  Step 4  Step 5

3. We Notify You of Our Decision

  • Within 10 business days of obtaining all required medical information, your Care Coordinator will let you know by phone if we approve or deny your claim. We will send you a letter to confirm the decision.


  • If we approve your claim, we will include with your approval letter an Assignment of Benefits Form and related instructions.


  • If we deny your claim, you have the right to appeal this decision. Your Care Coordinator will explain this process.


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1-800-LTC-FEDS (1-800-582-3337)  (TTY: 1-800-843-3557)

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The Federal Long Term Care Insurance Program is sponsored by the U.S. Office of Personnel Management, administered by Long Term Care Partners, LLC, and offered by:
John Hancock Life Insurance Company, Boston, MA
Metropolitan Life Insurance Company, New York, NY