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About  the FLTCIP

About the FLTCIP

The Federal Long Term Care Insurance Program (FLTCIP) is a long term care insurance program offered to Federal and U.S. Postal Service employees and annuitants, active and retired members of the uniformed services, certain other eligible groups, and their qualified relatives. It was created by an act of Congress called the Long-Term Care Security Act of 2000 (Public Law 106-265).

After the Act's passage, the U.S. Office of Personnel Management (OPM) held a competitive bidding process, selecting a consortium formed by John Hancock and MetLife to offer the insurance under the FLTCIP for the first seven-year contract term. The carriers formed Long Term Care Partners, LLC, a new company dedicated to administering the FLTCIP.

In May 2009, OPM selected John Hancock as the insurer for the FLTCIP's second seven-year contract term. On October 1, 2009, John Hancock Life & Health Insurance Company became the sole insurer, and Long Term Care Partners, LLC became a wholly owned subsidiary of John Hancock Life & Health Insurance Company.

In April 2016, OPM awarded the FLTCIP's third seven-year contract, beginning May 1, 2016, to John Hancock to continue to provide insurance coverage for the FLTCIP. Under the new contract, Long Term Care Partners, LLC, will continue to administer the FLTCIP.

The FLTCIP is the largest group long term care insurance program in the country, as well as the largest employer-sponsored long term care insurance program in the country, with more than 273,000 enrollees (273,052 as of March 31, 2015). The plan is comprehensive, flexible, and tailored to the needs of the Federal family, and it offers an array of built-in consumer protection features.

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.

apply now