About Us

The Federal Long Term Care Insurance Program (FLTCIP) is a voluntary program available to federal civilians, uniformed service members, and certain qualified family members. Created by an act of Congress, the Long Term Care Security Act of 2000, to serve an unmet health care need, the FLTCIP has helped the federal family take control of their long term care needs. This employer-sponsored program currently provides coverage for more than 267,000 enrollees.

The FLTCIP is sponsored by the U.S. Office of Personnel Management (OPM), insured by John Hancock Life & Health Insurance Company, and administered by Long Term Care Partners, LLC (LTCP).


The chief human resources agency for the federal government responsible for the oversight of its benefits and insurance programs, OPM is the sponsor and regulator of the FLTCIP, acting as a voice for the federal family.

John Hancock

One of the largest U.S. life insurers, John Hancock offers a broad range of financial products and has a proven track record of financial strength and stability.


A wholly owned subsidiary of John Hancock Life & Health Insurance Company, Long Term Care Partners, LLC (LTCP) has administered the FLTCIP since its inception.

Financial strength ratings

John Hancock Life & Health Insurance Company's financial strength ratings:


- A.M. Best -


- Fitch -


- Moody's -


- S&P -

John Hancock. "2021 Q3 Corporate Fact Sheet, https://www.johnhancock.com/content/dam/onejohnhancock/pdfs/2021_Q3_FactSheet.pdf, November 2021.

Financial strength ratings, which are current as of September 30, 2021, and are subject to change, apply to the main life operating companies of Manulife Financial Corporation including The Manufacturers Life Insurance Company, John Hancock Life Insurance Company (USA), John Hancock Life & Health Insurance Company, & John Hancock Life Insurance Company of New York as a measure of the respective issuing company's ability to meet its ongoing insurance and contract obligations. The ratings are not an assessment or recommendation of specific products, the performance of these products, the value of any investment in these products upon withdrawal or the individual securities held in any portfolio.

Our history


Congress passes the Long Term Care Security Act of 2000

OPM awards the first 7-year contract to John Hancock and MetLife, and Long Term Care Partners is formed.


OPM introduces the FLTCIP to the federal family

The first open season is held with 187,000+ enrollees.


OPM awards the second contract to John Hancock as the sole insurer

The second open season is held in 2011 with 45,000+ enrollees.


OPM awards the third contract to John Hancock