Qualified relatives can also apply!
Your qualified relatives are also able to apply for coverage under the FLTCIP, even if they are not a Federal employee or member of the uniformed services. Request an information kit...
Billing and Payment Information
This section provides billing information for enrollees of the Federal Long Term Care Insurance Program (FLTCIP). If you have questions about your billing and cannot find the information you are looking for in this section, please fill out the BENEFEDS Secure Email Form or call the BENEFEDS Customer Service Center at 1-877-888-FEDS (1-877-888-3337) TTY 1-877-889-5680. BENEFEDS administers the premium payment process on behalf of the FLTCIP.
Select an option below:
- Where do I mail my premium payments?
- If you have direct bill as your payment option, please send your check and the tear-off portion of your bill that contains your account number to:
Long Term Care Partners, LLC
P.O. Box 981079
Boston, MA 02298-1079
- How can I change how I pay my premiums?
- FLTCIP premium payment processes are administered by BENEFEDS. To view your premium payment history,
visit www.BENEFEDS.com and create a secure My BENEFEDS account.
The FLTCIP offers you three premium payment options:
- Payroll or annuity/pension deduction
- Automatic bank withdrawal (ABW)
- Direct bill
The FLTCIP also offers enrollees the option to make premium payments online. If you currently receive a direct bill, you can make a secure online premium payment at your convenience. To set up a one-time payment or to change your payment option to ABW, visit www.BENEFEDS.com to create or log into your My BENEFEDS account.
The BENEFEDS user ID and password is unique to the BENEFEDS system and is provided to you when you complete the BENEFEDS registration process. To create an account with BENEFEDS (if you don't already have one), go to www.BENEFEDS.com and click "Sign Up Now." Details about setting up your login and other frequently asked questions are available at www.BENEFEDS.com/more/FAQs.
For all other billing changes, you must complete the Billing Change Form. The completed form may be submitted by fax to 1-603-430-6479 or by mail to Long Term Care Partners, LLC, P.O. Box 797, Greenland, NH 03840-0797.
If you have questions about your premium payments, please call the BENEFEDS Customer Service Center at 1-877-888-FEDS (1-877-888-3337) TTY 1-877-889-5680 or go to www.BENEFEDS.com/more/email.
- What is the schedule for my monthly bill, automatic bank withdrawal, or payroll or annuity/pension deduction?
- If you pay premiums through direct bill, we mail bills by the second Friday of each month. Please allow 7 to 10 business days to receive your bill depending on your location. Your premium is always due on the first of the following month.
If you pay premiums through automatic bank withdrawal, the payments will be reflected in your bank account between the third and fifth business day of every month.
If you pay premiums through payroll or annuity/pension deduction, we deduct premiums from each payroll or annuity/pension payment you receive.
- What happens if I miss a payment?
- If you have direct bill as your payment option and you miss a premium payment, the grace period is 30 days. If the payment is received after the bill for the next month has already generated then it will not reflect as paid on the billing statement for the current month.
If no payment has been received for two consecutive months, a termination warning letter is mailed to you and the person you designated as your protection against unintended lapse (if applicable). If no payment is received within 35 days from the date on this letter, your coverage is terminated retroactively to the last date in which your premiums were paid. If you still wish to have coverage after this occurs, you need to follow the reinstatement procedures described in our Benefit Booklet.
After an account is terminated for non-payment, we do not attempt to collect the outstanding amount due at the time of termination. However, if you wish to reinstate and continue with your coverage, you will be expected to pay your back premiums to date.
If you have payroll or annuity/pension deduction as your payment option and we are unable to deduct premium payments from your pay or annuity/pension after three missed payroll deductions or two missed annuity/pension deductions, we will change your payment option to direct bill.
If you have automatic bank withdrawal as your payment option and we are unable to withdraw your premium payment from your bank account, we will attempt one more withdrawal the following month. If the second attempt is rejected, we will change your payment option to direct bill.
Protection Against Unintended Lapse
Protection against unintended lapse allows you to specify a third party to notify when your account is about to terminate for non-payment. This third party can be a friend, spouse, or whomever you trust to appoint.
The purpose is to give you every opportunity to be notified of the impending lapse in coverage and to make a payment before termination. We strongly recommend you take advantage of this protection.
As a current enrollee, you had the opportunity to designate a third party as your protection against unintended lapse on the application you submitted for coverage under the FLTCIP. If you would like to change the person you originally designated or if you elected not to designate someone and would like to do so now, please call the BENEFEDS Customer Service Center at 1-877-888-FEDS (1-877-888-3337) TTY 1-877-889-5680. BENEFEDS administers the premium payment processes on behalf of the FLTCIP.
- Additional frequently asked billing and payroll questions
You have three options for paying FLTCIP premiums:
• Payroll/annuity deduction
• Automatic bank withdrawal
• Direct billing
You may also pay the premiums for your qualified relatives who apply and are approved for coverage,
even if you don't apply.