Frequently Asked Questions

If you are a current FLTCIP 1.0 enrollee and you are considering changing your coverage, please read the FLTCIP Plan Comparison to see what FLTCIP 2.0 offers and how it compares to the original plan, FLTCIP 1.0. Please also read the Frequently Asked Questions about the personalized plan change options available to you before making your decision.

Increasing and Decreasing Coverage

1. Can I increase coverage?
    
2. Can I decrease my coverage?
    
3. If I decrease my coverage, can I ever get paid-up benefits, since I've already paid for higher benefits for a long time?

1. Can I increase coverage?

At any time, you may request an increase (upgrade) in your coverage by contacting Long Term Care Partners. In order to receive approval of a request for an increase outside an Open Season, you must provide, at your expense, evidence of your good health that is satisfactory to Long Term Care Partners. The amount of an increase is subject to what's then available under the Program (for example, you couldn't increase to a $500 daily benefit amount if the highest we offer is $450).

If you request and Long Term Care Partners approves any coverage increase other than an inflation increase, your premium for the additional coverage will be based on your age and the premium rates in effect at the time the increase takes effect.

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2. Can I decrease my coverage?

Yes. You can request a decrease in your coverage at any time.

If you request a decrease in coverage consistent with available Federal Program options, your premium will decrease. The amount of the decrease in premium associated with the decrease in coverage will be computed assuming that the levels of benefits purchased last are discontinued first.

You do not have to undergo new underwriting in order to decrease your coverage.

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3. If I decrease my coverage, can I ever get paid-up benefits, since I've already paid for higher benefits for a long time?

No, our Program does not offer paid-up benefits. At the time you paid for your higher benefits, you were insured for those higher benefits and received that protection for all the years you had the higher level of coverage. Your premiums will decrease when your benefits decrease.

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