About Us

The Federal Long Term Care Insurance Program (FLTCIP) is a voluntary program established for federal civilians, uniformed service members, and certain qualified family members. It was created by an act of Congress, the Long Term Care Security Act of 2000, to serve an unmet health care need and currently provides coverage for more than 260,000 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).

OPM

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.

LTCP

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+

- A.M. Best -

AA-

- Fitch -

A1

- Moody's -

AA-

- S&P -

Manulife. "Ratings," https://www.manulife.com/en/investors/ratings.html (as of December 31, 2023).

Financial Strength Ratings apply to the main life operating companies of Manulife Financial Corporation including The Manufacturers Life Insurance Company, John Hancock Life Insurance Co. (U.S.A.), John Hancock Life & Health Insurance Co. and John Hancock Life Insurance Co. of New York. All ratings current as of December 31, 2022.

Our history

2000

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.

2002

OPM introduces the FLTCIP to the federal family

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

2009

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

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

2016

OPM awards the third FLTCIP contract to John Hancock

2023

OPM extends the FLTCIP contract with John Hancock for another 7-year term.