Frequently Asked Questions

Applying for Coverage Under the Federal Program

Miscellaneous

1. Can I buy insurance under the Federal Program from an insurance agent?
    
2. If I stop paying premiums, will I still have benefits based on what I've already paid in premiums?
    
3. I'm a Federal employee caring for my mother who has Alzheimer's. How can this program help me? Her?
    
4. I've been waiting for this program ever since my father was diagnosed with dementia last year. I heard that your program will provide retroactive benefits to anyone whose need for long term care began on/after September 19, 2000, when the President signed the law. Is that true?

1. Can I buy insurance under the Federal Program from an insurance agent?

No. The Federal Program does not use insurance agents or brokers to sell or market this insurance or to provide information about its features. The only way to apply is to submit an application directly to Long Term Care Partners. You can obtain an application by going to the Apply section of this website.

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2. If I stop paying premiums, will I still have benefits based on what I've already paid in premiums?

No. The Federal Long Term Care Insurance Program (FLTCIP) does not offer paid-up benefits. If you stop paying premiums, and you're not in an approved claim status, your coverage will end. The FLTCIP does however have a built-in contingent nonforfeiture feature.

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3. I'm a Federal employee caring for my mother who has Alzheimer's. How can this program help me? Her?

If you apply and are approved for coverage, the program can help you coordinate care for your mother, receive discounts on certain long term care services or supplies, and provide advice and support for you as caregiver.

However, this is an insurance program and anyone who applies must be insurable based on the underwriting criteria for the program. Employees' qualified relatives who already need long term care services, such as your mother, will not qualify for this insurance.

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4. I've been waiting for this program ever since my father was diagnosed with dementia last year. I heard that your program will provide retroactive benefits to anyone whose need for long term care began on/after September 19, 2000, when the President signed the law. Is that true?

No. This is not true. There are no provisions for retroactive benefits. Anyone who already needs long term care services does not qualify for this insurance.

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