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Introduction Main Page
Long Term Care Basics
Long Term Care Insurance Basics
LTC and LTCI Basics Long Term Care Insurance Basics

What is Long Term Care Insurance?

Long term care insurance is an insurance product which pays for long term care services in many settings, such as at home, a nursing home, assisted living facility, and adult day care facility.

Many people elect to buy long term care insurance so they will not need to deplete their savings should they need long term care services. Long term care insurance can help ensure that financial resources and support are in place when you need them.
 

How Does Long Term Care Insurance Work?

First, you must apply for coverage. If you are approved for coverage, pay your premiums, and you meet the insurance carrier’s criteria for benefit payment, you will be reimbursed for covered long term care services up to the amount of daily benefit after you satisfy the Waiting Period.

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1-800-LTC-FEDS (1-800-582-3337)  (TTY: 1-800-843-3557)

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The Federal Long Term Care Insurance Program is sponsored by the U.S. Office of Personnel Management, administered by Long Term Care Partners, LLC, and offered by:
John Hancock Life Insurance Company, Boston, MA
Metropolitan Life Insurance Company, New York, NY