The FLTCIP is 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.
Who is eligible to apply for coverage under the Federal Long Term Care Insurance Program?
Employees | Annuitants | Qualified Relatives
Many members of the Federal family are eligible to apply for coverage under the Federal Long Term Care Insurance Program (FLTCIP) including Federal and U.S. Postal Service employees and annuitants, active and retired members of the uniformed services, and qualified relatives. Check the lists below to see if you are eligible to apply for coverage:
- Federal employees in positions that convey eligibility for the Federal Employees Health Benefits (FEHB) Program (whether or not they are actually enrolled)
- U.S. Postal Service (USPS) employees in positions that convey eligibility for the FEHB Program (whether or not they are actually enrolled)
- Active members of the uniformed services who are on active duty or full-time National Guard duty for more than 30 days, including:
- Active members of the Selected Reserve (members of the Individual Ready Reserve are not eligible to apply)
- Other eligible employees:
- Tennessee Valley Authority employees (even though they may not be eligible for FEHB coverage)
- D.C. Government employees who were first employed by the D.C. Government before October 1, 1987
- D.C. Courts employees
- Navy Personnel Command (BUPERS) employees
- Nonappropriated fund (NAF) employees, including the Department of the Army, U.S. Marine Corps (USMC), Navy Exchange Service Command (NEXCOM), and Army and Air Force Exchange Service (AAFES) NAF employees
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- Federal or USPS annuitants
- Retired members of the uniformed services who are entitled to retired or retainer pay, including:
- Retired grey reservists, even if they are not yet receiving their retired pay
- Other eligible annuitants:
- Deferred annuitants
- Separated employees with title to a deferred annuity, even if they are not yet receiving that annuity
- Tennessee Valley Authority annuitants
- Compensationers receiving compensation from the U.S. Department of Labor
- D.C. Government annuitants who were first employed by the D.C. Government before
October 1, 1987
- D.C. Courts annuitants
- BUPERS annuitants
- NAF annuitants
- Surviving spouses receiving a survivor annuity*
- Domestic partners of deceased workforce members receiving an insurable interest annuity*
*If you are a surviving spouse receiving a survivor annuity or a domestic partner of a deceased workforce member receiving an insurable interest annuity, your current spouse or domestic partner and adult children are considered qualified relatives and eligible to apply.
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- Current spouses of eligible employees
- Current spouses of eligible annuitants (but not former spouses, even if they are receiving an apportionment of annuity)
- Parents, parents-in-law, and stepparents of living eligible employees (parents, parents-in-law, and stepparents of annuitants are not eligible)
- Adult children (at least 18 years old, including adopted and stepchildren) of living eligible employees and annuitants (children of domestic partners** are considered stepchildren and eligible to apply)
- Domestic partners** (both same-sex and opposite-sex) of eligible employees and annuitants
**A Declaration of Domestic Partnership form must be submitted to the employee's agency or annuitant's retirement system before you apply. Visit the Domestic Partners section of our website for more information.
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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.