News and Announcements


The FLTCIP Delivers Value
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The FLTCIP Reflects Your Preference for Home Care
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Long Term Care Issues That Every Woman Should Consider
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Long term care is not just for the elderly! Think you're too young?

Nearly 41% of long term care is provided to people under age 65."

- Georgetown University Long-Term
Care Financing Project,
Long-Term Care Financing:
Policy Options for the Future,
June 2007.


What Happens if I Stop Paying Premiums?

What Happens if I Stop Paying Premiums?

As with most other types of insurance coverage, if you stop paying your long term care insurance premiums, your policy will most likely be canceled.

However, there are some plans that offer a non-forfeiture benefit. A non-forfeiture benefit provides protection if you cancel your coverage. Non-forfeiture provides limited benefits, typically based on the amount of time you have had the coverage and the amount of premium payments you have paid.

Other plans offer a contingent non-forfeiture benefit. This benefit provides protection if you are no longer able to pay premiums due to a premium increase to a certain level.

The Federal Long Term Care Insurance Program (FLTCIP) includes a contingent non-forfeiture benefit at no extra cost.

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Apply today

Apply Today!

Federal family members can apply for coverage anytime—you do not have to wait for the next open season. Premiums are based on your age at the time of application—the younger you are when you apply, the lower your premium will be.

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