Claims Information

If you're thinking about long term care insurance, a company's track record for prompt, responsible claims payment should be a primary consideration. Both the ease and fairness of the claims payment process will be essential to you and your loved ones' satisfaction with your coverage under The Federal Long Term Care Insurance Program (FLTCIP).

Your experience matters

Your claims experience and quality of care is at the heart of everything we do. To date, our enrollees' satisfaction with the claims process has been very high, with ratings averaging 97.6%.

Personalized care coordination services

Once you submit a claim, you will have access to our team of care coordinators, registered nurses experienced in long term care. In addition to setting up an individualized plan of care, our care coordinators can help you find care providers in your area, arrange for discounted services, monitor the care you are receiving, and assist with changing your plan of care as your needs change.

Independent third-party review

If your claim is denied by the FLTCIP, you have the right to appeal the decision by first requesting a review by an appeals committee. Then, if the denial is upheld, you may request a review by an independent third-party. This is an important consumer protection. If the reviewer finds that the claim was improperly denied, the decision is reversed and the FLTCIP must pay the claim accordingly.

Our track record is telling

The FLTCIP has a proven history of meeting claimant needs. We strive to make the experience of transitioning from independent living to needing care as seamless as possible.

Claims highlights

Reimbursed
$0m
per month
in 2019
Paid
$1.0b
in claims
since the program began
Approved
0%
for benefit eligibility
since the program began

These figures were last updated in September 2019.