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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


Aging in Place with the FLTCIP

Long term care is ongoing assistance with some of the most basic activities of daily living such as eating, bathing, dressing, or getting in and out of bed or a chair. The need most often stems from disability, chronic illness, or cognitive impairment (such as Alzheimer's disease), and it is far more common than most people think.

The term long term care used to be synonymous with nursing home care, but nowadays people have more and more options, and many have found solutions outside of the nursing home. Armed with the right tools and equipment, along with quality care provided by formal and informal caregivers, numerous care recipients are now able to remain at home, where they most want to be.

Unfortunately, not everyone plans ahead for long term care, or if they do, they are unable to save enough money to pay for the tools or services that they need or want, severely limiting their options. In order to help Federal employees and their qualified relatives, the U.S. Office of Personnel Management sponsors the Federal Long Term Care Insurance Program (FLTCIP).

Here is a brief look at some of the FLTCIP's most popular benefits:

  • Services provided by formal and informal caregivers at your home are reimbursed up to 100% of the daily benefit amount, which is the maximum amount the insurance will pay for a single day of long term care services. When informal care is provided by family, services are reimbursed up to 500 days in an enrollee's lifetime.
  • The stay-at-home benefit allows for care planning visits, modifications to your home (such as installing a wheelchair ramp or handle bars in your bath), emergency medical response systems, durable medical equipment, caregiver training (training an informal caregiver to perform personal care services at the enrollee's home), and home safety checks.
  • Respite services are covered up to 30 times your daily benefit amount per calendar year. This means that if a friend or family member is providing your care, the FLTCIP will pay for formal services so that your caregiver can take a break from his/her caregiving responsibilities.

For a detailed listing of benefits, visit

In considering whether the FLTCIP is right for you, think about how you would like to receive care and who you would want to provide it if the need were to arise. Keep in mind that even when home care is provided by a licensed professional, a small amount of informal assistance can often make the difference in whether you are able to stay at home or need to move to a facility setting. And being able to reimburse your informal caregiver can sometimes make the difference in whether he or she is able to provide the care you need.

More 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.

To learn more about the FLTCIP's features and benefits, visit, or call us at 1-800-LTC-FEDS (1-800-582-3337) TTY 1-800-843-3557. A certified long term care insurance consultant will speak with you about your particular situation, your coverage options, and the application process, and of course will answer any questions you may have.

*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 are eligible for this coverage.


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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