- Long Term Care (LTC)
LTC basics and insuranceLTC Basics
Costs of LTC
LTC Insurance Basics
- The Basics of LTC Insurance
- What Is LTC Insurance?
- Does LTC Insurance Only Cover Care in a Nursing Home?
- Why Should I Buy LTC Insurance?
- When Should I Apply for LTC Insurance?
- Comparing LTC Insurance Policies
- How Much LTC Insurance Coverage Do I Need?
- What Is a Lapse and Why Are Lapse Rates Important?
- What Happens If I Stop Paying Premiums?
- Do LTC Insurance Rates Ever Increase?
- Program Details
about the programEligibility
Program Details
Design a Plan
- Planning Tools
customize your planOnline Consultant Tool
Launch this interactive tool, which will walk you through the plan design process using videos and examples of real-life stories.
Cost of Care Tool
Find the average long term care costs in your area for home health care, assisted living facilities, and nursing homes.
Self-Funding Tool
Calculate how much money you will save by the time you anticipate needing care if you set aside money each month starting now.
Premium Calculator
Calculate premiums for the FLTCIP's four prepackaged plans or customize a plan that suits your individual needs.
Personalized Summary
Print a summary of your results for your records.
- More Information
resources and newsRequest Information
Request an information kit with program details and rates and an application to be mailed to you.
Download Information
Additional Resources
News and Announcements
Get the latest news about the FLTCIP and the importance of long term care planning.
- Claims Information
forms and resourcesBeginning the Claims Process
Using Your Benefits
- Apply
apply online todayBefore You Apply
Make sure you have the information you need to complete an application.
Apply Today!
FLTCIP Applications
Determine which application you should use.
Most health insurance plans are intended to cover skilled, short term medical care as you recover from an illness or injury.
Health insurance does not usually cover the ongoing care you might need when you can no longer perform everyday tasks due to chronic illness,
injury, disability, or the aging process.
Family members may be the first to step in and want to help a loved one in need, but being a caregiver for someone
who requires chronic assistance can be a time-consuming commitment that may demand a significant number of hours
from multiple people. And, while it may not be a direct cost for you, it can come at a significant financial,
physical, and emotional cost to the caregiver.
