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Uniformed Services Members: Help Protect Your Family with the Federal Long Term Care Insurance Program
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Caregiving: The FLTCIP Offers Support When You Need It Most
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Home for the Holidays
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Inflation Option  Tool

Inflation Option Tool

Automatic Compound Inflation Option (ACIO) Comparison

To see an estimate of how the 4% and 5% automatic compound inflation options impact future DBAs over time, please click on any of the DBAs listed below.

Note: Your actual daily benefit amount may vary depending on the rounding of increases each year. When your daily benefit amount is adjusted based on the inflation that you selected, the resulting amount may not be in whole dollar increments since each is rounded to the nearest penny.

For Current Enrollees

Please note: If you are a current enrollee with a 5% inflation option who wants to determine how changing to 4% may impact your future benefit amount, please choose the DBA below that is closest to your current DBA. To find your current DBA, view your coverage by logging in to your online account or create an online account at, or call us at 1-800-LTC-FEDS (1-800-582-3337) TTY 1-800-843-3557.

Your current DBA includes all inflation increases that you have already received. For example, if you originally chose a $150 DBA with ACIO during the open season in 2002 and made no other changes, as of 2011, your DBA would be approximately $211, and that is the DBA you should click on below.

Daily Benefit Amount (DBA)
$50 $75 $100 $125
$141 $150 $175 $200
$211 $225 $250 $275
$300 $325 $350 $375
$400 $425 $450  

For persons covered under FLTCIP 1.0 only: To see an estimate of how the 4% and 5% Automatic Compound Inflation Options impact future weekly benefit amounts (WBAs) over time, please click on any of the WBAs listed below.

Weekly Benefit Amount (WBA)
$1,050 $1,225 $1,400 $1,575

The weekly benefit option is not available under FLTCIP 2.0.

Return to the Inflation Protection Options FAQ main page.

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 and the premium rates in effect at the time we receive your application—the younger you are when you apply, the lower your premium will be.

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