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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


Responsible Claims Handling Is a Hallmark of the FLTCIP

If you're thinking about long term care insurance, a company's track record for prompt, responsible claims payment should be a primary consideration. Both the ease and the fairness of the claims paying process will be essential to you and your loved ones' ultimate satisfaction.

The Federal Long Term Care Insurance Program (FLTCIP) has an excellent track record in claims payment. The program's organizational structure, procedures, and service philosophy work together to ensure that all claims are processed in a fair and timely manner.

"These are the most professional and helpful people I have worked with since becoming my father's DPOA. When people actually help, it makes such a difference to the families as well as the subscriber."

– Rebecca S.

The track record is telling
After action has begun on his or her claim, the claimant is asked to complete a satisfaction survey rating their experience based on factors such as timeliness, accuracy, and communications. To date, FLTCIP enrollee satisfaction with the claims process has been very high, with ratings averaging 96.1%. Testimonials like the one shown are regular occurrences. Not only does the FLTCIP rank highly in the handling of claims, but since its launch in 2002, the claim approval rate is also excellent, with more than 97% of all claims approved for payment. Additionally, approved claims must be paid within five days.

Personalized care coordination and claim services add to efficiency, quality, and confidence
To initiate the claims process, FLTCIP enrollees (or their legal representatives) may call Long Term Care Partners to speak to a claim services consultant, who will explain the process and review the initial information required. Each claimant receives personalized attention from a registered nurse who is experienced in long term care and serves as a care coordinator. In addition to setting up an individualized plan of care, the care coordinator can help you find high-quality care providers in your area, arrange for discounted services, monitor the care you are receiving, and assist with changing your plan of care as your needs change. This type of one-on-one care makes a tangible impact on the experience of the claimant.

Reliability when your family needs it most
The FLTCIP has a proven track record of meeting claimant needs and strives to make the experience of transitioning from independent living to claimant as seamless as possible. Currently, the FLTCIP reimburses more than $13 million in claims per month. To date, more than $675 million in claims have been paid out since the program began in 2002. In addition, those that are benefit eligible are approved for payment at a rate of over 97%.

Independent third-party review
If a claim is denied by the FLTCIP, an enrollee has the right to appeal the decision by requesting a review from an independent third-party, which is an important consumer protection. If the reviewer finds the claim was improperly denied, the decision is reversed and the FLTCIP must pay accordingly.

Learn more
Claims handling is just one of the many strengths the FLTCIP has to offer. To learn more about the program's comprehensive benefits and features, register for one of our upcoming webinars or view our existing library of webinar recordings at

If you're an enrollee, visit to register for a My LTCFEDS account, where you can view your current plan coverage. For personalized assistance, call 1-800-LTC-FEDS (1-800-582-3337) TTY 1-800-843-3557 to speak with a program consultant.

About the FLTCIP
Established by an act of Congress in 2000 and overseen by the U.S. Office of Personnel Management, the FLTCIP is designed to meet the specific needs of the Federal family. The FLTCIP provides industry-leading benefits and offers flexible options that allow enrollees to tailor coverage to meet their needs.

Certain medical conditions, or combinations of conditions, will prevent some people from being approved for coverage. You need to apply to find out if you qualify for coverage under the FLTCIP.

The Federal Long Term Care Insurance Program is sponsored by the U.S. Office of Personnel Management, insured by John Hancock Life & Health Insurance Company, and administered by Long Term Care Partners, LLC.



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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