LTC Basics

• Introduction to LTC
• The Basics of LTC
• What Is LTC and Who Needs It?
• Where Are LTC Services Received and Who Provides LTC?
• Common LTC Myths

Costs of LTC

• How Much Does LTC Cost?
• Will Health Insurance or Disability Insurance Cover LTC Costs?
• Will Medicare Cover LTC Costs?
• How Can I Pay for LTC?
• Can I Pay My LTC Costs and Insurance Premiums Through a Health Savings Account?

LTC Insurance Basics

• The Basics of LTC Insurance
• What Is LTC Insurance?
• Does LTC Insurance Only Cover Care in a Nursing Home?
• Why Should I Buy LTC Insurance?
• When Should I Apply for LTC Insurance?
• Comparing LTC Insurance Policies
• How Much LTC Insurance Coverage Do I Need?
• What Is a Lapse and Why Are Lapse Rates Important?
• What Happens If I Stop Paying Premiums?
• Do LTC Insurance Rates Ever Increase?

LTC Insurance Features

• What Should I Look for in LTC Insurance Coverage?
• What Does It Mean to Be Tax-Qualified?
• How Can LTC Insurance Keep Up with Inflation?
• What Is a Plan of Care?
• Do I Continue Paying Premiums While I Am Receiving Benefits?
• Will I Always Be Able to Keep My LTC Insurance Coverage?

Eligibility

• Federal and U.S. Postal Service Employees and Annuitants
• Active and Retired Members of the Uniformed Services
• Domestic Partners
• Qualified Relatives

Program Details

• Why Choose the Federal Long Term Care Insurance Program (FLTCIP)?
• Plan Details and Cost
• Additional Services and Benefits
• Exclusions
• How Do I File a Claim?
• Qualifying for Benefits
• Benefit Eligibility Determination
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Design a Plan

• Which Plan Is Right for You?
•   Prepackaged Plans
•   Customize a Plan
• Plan Choices and Features
•   Daily Benefit Amount
•   Benefit Period
•   Waiting Period
•   Inflation Protection Options

Already Enrolled?

• My LTCFEDS Account Login
• Billing and Payment Information
• Updating Personal Information
• Changing Plan Coverage
• Qualified Relatives Access to Care Coordination
• Canceling Your Coverage

Online Consultant Tool

Launch this interactive tool, which will walk you through the plan design process using videos and examples of real-life stories.

• Use the Online Consultant Tool

Cost of Care Tool

Find the average long term care costs in your area for home health care, assisted living facilities, and nursing homes.

• Use the Cost of Care Tool

Self-Funding Tool

Calculate how much money you will save by the time you anticipate needing care if you set aside money each month starting now.

• Use the Self-Funding Tool

Premium Calculator

Calculate premiums for the FLTCIP's four prepackaged plans or customize a plan that suits your individual needs.

• Use the Premium Calculator

Personalized Summary

Print a summary of your results for your records.

• Get a Personalized Summary

Request Information

Request an information kit with program details and rates and an application to be mailed to you.

• Complete Request Form

Download Information

• Information Kits and Applications
• FLTCIP Brochures
• Forms and Worksheets
• Claims Forms

Additional Resources

• Frequently Asked Questions
• Glossary of Terms
• LTC Quick Links

News and Announcements

Get the latest news about the FLTCIP and the importance of long term care planning.

• See News and Announcements

Before You Apply

Make sure you have the information you need to complete an application.

• View the Application Checklist
• Find Your Payroll or Annuity Office Identifier

Apply Today!

• 3 Easy Ways to Apply
•   Apply Online
•   Download a Printable Application
•   Speak to a Consultant

FLTCIP Applications

Determine which application you should use.

• FLTCIP 2.0 Abbreviated Underwriting Application
• FLTCIP 2.0 Full Underwriting Application

Important Legal Information

• Underwriting
• Health Information
• Automatic Bank Withdrawals and Payroll or Annuity/Pension Deductions
• Application Agreement and Acknowledgment
• Online Application Consent