Benefits Provided by the Federal Long Term Care Insurance Program (FLTCIP)

Stay-At-Home Benefit

We will pay actual charges you incur for stay-at-home services up to the stay-at-home lifetime benefit amount. The stay-at-home lifetime benefit amount is equal to 30 times your daily benefit amount. The waiting period does not apply to the stay-at-home benefit. Except for care planning visits, you must be living at home in order to be eligible for the stay-at-home benefit. Stay-at-home services consist of expenses for:

  • care planning visits;
  • home modifications;
  • emergency medical response systems;
  • durable medical equipment;
  • caregiver training; and
  • home safety checks.

The maximum amount payable in your lifetime for caregiver training will be seven times your daily benefit amount.

Benefits paid under the stay-at-home benefit will not reduce your maximum lifetime benefit. If you do not exhaust your stay-at-home benefit initially, you may use any unused portion of this benefit amount for future stay-at-home services and new episodes of care. You may receive the services of a formal caregiver or an informal caregiver, or hospice care at home while receiving benefits under the stay-at-home benefit.

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