News and Announcements


Help Protect Your Family with the Federal Long Term Care Insurance Program
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Uniformed Services Members: Help Protect Your Family with the Federal Long Term Care Insurance Program
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Caregiving: The FLTCIP Offers Support When You Need It Most
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call us 1-800-582-3337 TTY 1-800-843-3557


Miscellaneous - General Questions

Miscellaneous - General Questions

Select a question below:

  • Is the Federal Long Term Care Insurance Program (FLTCIP) the same as the long term care insurance offered by WAEPA, USAA, or various recreation associations targeted to Federal or military personnel?
  • No, it is entirely separate from any other group long term care insurance program.

    The FLTCIP is sponsored by the U.S. Office of Personnel Management (OPM) and offered by John Hancock Life & Health Insurance Company. It is authorized by Congress to be offered as a government-sponsored benefit to Federal and U.S. Postal Service employees and annuitants, active and retired members of the uniformed services, and qualified relatives.
  • Do the states have any role in regulating the FLTCIP?
  • Because the FLTCIP was established under Federal law, the states play no role in approving rates or otherwise regulating the insurance coverage.
  • Who is the FLTCIP insurer, and how is the insurer determined?
  • John Hancock Life & Health Insurance Company is the FLTCIP insurer.

    In April 2016, the U.S. Office of Personnel Management (OPM) awarded the FLTCIP's third seven-year contract, beginning May 1, 2016, to John Hancock Life & Health Insurance Company to continue to provide insurance coverage for the FLTCIP. Long Term Care Partners, LLC, a wholly owned subsidiary of John Hancock, administers the FLTCIP.

    John Hancock brings significant experience in the long term care insurance marketplace, maintaining some of the strongest financial and claims payment ratings. For more information about John Hancock and the most recent ratings, visit the About John Hancock section of our website.
  • Who should I contact about FLTCIP coverage?
  • All inquiries must go to Long Term Care Partners, the administrator of the program. You can reach our Customer Service Center at 1-800-LTC-FEDS (1-800-582-3337) TTY 1-800-843-3557, or visit to contact us via email.
  • How many people are enrolled in the FLTCIP?
  • More than 269,000 as of August 2018.
  • Should I drop my health insurance coverage (FEHB, TRICARE, etc.) when I enroll in the FLTCIP?
  • No. The FLTCIP is not health insurance and does not replace health insurance coverage such as the Federal Employees Health Benefits (FEHB) Program or TRICARE.

    The FLTCIP provides insurance to cover long term care needs such as nursing home care, assisted living facility care, formal and informal care in the home, adult day care, etc., which are types of care that are generally not covered by health insurance.
  • Is this insurance the same as long term disability insurance?
  • No. Long term disability insurance or disability income insurance pays you a percentage of your gross income (for example, 45% or 60%) should a sickness or illness prevent you from working for an extended period of time. Policies may define working as working in your current occupation or perhaps doing any type of work that you are qualified to perform. Thus, the benefits are tied to your salary, and you trigger the benefits by being unable to work. Many such insurance policies stop paying benefits after five years or when you reach age 65.

    The FLTCIP provides insurance to help you pay for assistance you may need (such as bathing, getting in and out of bed, etc.) due to a chronic illness or injury. There is no correlation to your job or salary, a nd there is no age cutoff for receiving benefits. You trigger benefits in one of two ways: by needing help with at least two activities of daily living with an expectation that you will continue to need the help for at least 90 days, or by having severe cognitive impairment.

    A long term disability insurance benefit helps replace part of your lost income (salary). The FLTCIP benefits help protect your income and savings against the costs of long term care.
  • Does the FLTCIP offer a spousal discount or any spousal benefits?
  • No, it does not offer a separate spousal discount or benefit or any other targeted discounts. FLTCIP rates are designed to be appropriate for all who qualify.

    If we offered a spousal discount or any other discount targeted to a specific segment of the group, rates for the rest of the group would have to be made higher to compensate for the discounts.
  • I am currently outside of the U.S. and am having difficulty dialing the 800 number. What should I do?
  • The 800 number, 1-800-LTC-FEDS (1-800-582-3337) TTY 1-800-843-3557 can be reached from approximately 175 countries outside of the United States by using AT&T Direct Access.

    Information on this feature, including a list of countries, can be found here.

    A downloadable wallet card of access codes can be found here, in the Calling Tools section. You can also reach Long Term Care Partners by calling 603-430-6498. Please note that this is not a toll-free number.


Apply today

Apply Today!

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.

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