Frequently Asked Questions

Eligibility

General Questions

1. Who is eligible to apply for coverage under the Federal Long Term Care Insurance Program (FLTCIP)?
    
2. Is there an upper age limit for who can apply?
    
3. Is there a minimum age for applying?
    
4. Do I have to already have FEGLI, FEHB, Medicaid, or other health or life insurance coverage to be eligible for the FLTCIP?
    
5. I live overseas. Am I eligible to apply, and can I use the benefits overseas?

1. Who is eligible to apply for coverage under the Federal Long Term Care Insurance Program (FLTCIP)?

To see who is eligible to apply for FLTCIP coverage, visit the Who's Eligible section of this website.

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2. Is there an upper age limit for who can apply?

No.

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3. Is there a minimum age for applying?

Yes. You must be at least 18 years old at the time you submit your application.

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4. Do I have to already have FEGLI, FEHB, Medicaid, or other health or life insurance coverage to be eligible for the FLTCIP?

No. The Federal Long Term Care Insurance Program is a separate program.

However, someone currently receiving Medicaid assistance should probably not be purchasing long term care insurance.

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5. I live overseas. Am I eligible to apply, and can I use the benefits overseas?

As long as you are in one of the groups eligible to apply for the FLTCIP, you can apply, even if you live overseas. Benefits are payable for covered services received outside the United States, its territories, and its possessions.

However, the overseas coverage does have some limitations that you may want to review before you decide whether to apply. Review our section about international benefits.

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