call us 1-800-582-3337 TTY 1-800-843-3557

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...

 

Canceling  Your Coverage

Canceling Your Coverage

Before Canceling

Before you cancel your coverage, we ask that you consider the following:

  • The Federal Long Term Care Insurance Program (FLTCIP) gives you an opportunity to lower your premiums by adjusting your coverage, while allowing you to maintain a level of insurance protection against the high costs of long term care, should you ever need it.
  • Long term care insurance is different from health insurance (including the FEHB Program, TRICARE, and TRICARE For Life and disability insurance. Health insurance pays benefits for acute, short term illnesses and covers things like doctor's visits and hospital stays. Disability insurance is intended to replace your income should you become unable to work due to accident or illness. Long term care insurance pays for ongoing custodial care, whether received in an institutional setting or in your own home.
  • If you cancel your coverage and then reapply in the future, you may not pass underwriting, or you may be approved but have much higher premiums.
  • If switching plans, have you accurately compared the FLTCIP with other long term care insurance plans you are considering? If not, call us, we can help you compare plans.

How to Cancel Your Policy

To cancel your coverage under the FLTCIP, please call us at 1-800-LTC-FEDS (1-800-582-3337) TTY 1-800-843-3557. If you are entitled to any refund of premium paid past the effective date of your cancellation, we will return it to you in full.


three options for paying FLTCIP premiums

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.