News and Announcements


The FLTCIP Delivers Value
Read article...


The FLTCIP Reflects Your Preference for Home Care
Read article...


Long Term Care Issues That Every Woman Should Consider
Read article...

listen to podcasts
listen to FLTCIP podcasts


Why the   Federal Long Term Care Insurance Program?

Why the Federal Long Term Care Insurance Program?

The Federal Long Term Care Insurance Program (FLTCIP) - A Smart Choice

Long term care insurance is a smart way to protect your income and assets and remain financially independent should you need long term care services at home, in a nursing home, or at another long term care facility.

Most health insurance programs, including the FEHB Program, TRICARE, and TRICARE For Life, provide little or no coverage for long term care. And long term care services can be very expensive. This is why the U.S. Office of Personnel Management (OPM) sponsors a long term care insurance program for members of the Federal family.

Here are some features of the FLTCIP:

Comparing Long Term Care Insurance Offerings

To help you compare the FLTCIP with other long term care insurance offerings, we encourage you to use our Benefits and Features Comparison Worksheet. If you would like to learn more specifics about the FLTCIP before comparing plans, visit our Plan Details and Cost section.


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.

apply now