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Pre-Packaged Plans
The Federal Long Term Care Insurance Program (FLTCIP) offers the following pre-packaged plans:
Plan A
Consider this plan if you want protection but are looking for a lower-cost option, if you will be living in an area where long term care costs are low, or if you plan to pay out of pocket for some of the costs of long term care in the future, if needed.
- Daily Benefit Amount: $150
- Benefit Period: 2 years
- Maximum Lifetime Benefit: $109,500
- Waiting Period: 90 calendar days
- Inflation Protection: 4% Automatic Compound Inflation Option, 5% Automatic Compound Inflation Option or Future Purchase Option
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Plan B
Consider this plan if you want protection for at least three years, which corresponds to the average length of stay in a nursing home, or if you will be living in an area where long term care costs are low.
- Daily Benefit Amount: $150
- Benefit Period: 3 years
- Maximum Lifetime Benefit: $164,250
- Waiting Period: 90 calendar days
- Inflation Protection: 4% Automatic Compound Inflation Option, 5% Automatic Compound Inflation Option or Future Purchase Option
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Plan C
Consider this plan if you want protection for at least three years, which corresponds to the average length of stay in a nursing home, or if you will be living in an area where long term care costs are around the national average.
- Daily Benefit Amount: $200
- Benefit Period: 3 years
- Maximum Lifetime Benefit: $219,000
- Waiting Period: 90 calendar days
- Inflation Protection: 4% Automatic Compound Inflation Option, 5% Automatic Compound Inflation Option or Future Purchase Option
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Plan D
Consider this plan if you will be living in an area where long term care costs are around the national average but you want protection for a longer period of time.
- Daily Benefit Amount: $200
- Benefit Period: 5 years
- Maximum Lifetime Benefit: $365,000
- Waiting Period: 90 calendar days
- Inflation Protection: 4% Automatic Compound Inflation Option, 5% Automatic Compound Inflation Option or Future Purchase Option
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