Important Notice: New FLTCIP Regulations and Application Suspension Period

The U.S. Office of Personnel Management (OPM) suspended applications for coverage under the Federal Long Term Care Insurance Program (FLTCIP) effective December 19, 2022. This was done to allow OPM and the FLTCIP carrier, John Hancock Life & Health Insurance Company, the time to thoroughly assess benefit offerings and establish sustainable premium rates that reasonably and equitably reflect the cost of the benefits provided, as required under 5 U.S.C. 9003(b)(2). Read Important Notice >

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About FLTCIP Premiums

Long term care insurance is a complex, experience-based product. Because of this, assumptions are made about many factors at the time premiums are established. Learn how FLTCIP premiums are managed and invested and what factors lead to possible premium increases.

FLTCIP Claimants

Submitting a FLTCIP claim is now easier than ever. To improve your benefits experience, we developed a new Claims dashboard. Log into your MY LTCFEDS account to start submitting your reimbursement requests for claims online.

Online Account Security

We strengthened the security of your personal information by increasing authentication when accessing your MY LTCFEDS account. This is a common security practice referred to as "two-factor" or "multi-factor authentication."

Cost of Care

Use our Cost of Care Tool to find the average cost of home health care services, assisted living facilities, and nursing homes in your area.

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