The Benefits of Long Term Care Insurance Are Invaluable
Responsible Claims Handling Is a Hallmark of the FLTCIP
Ensure Mom Has the Care She Needs
This Mother's Day, as you look back at the many years your mother cared for you, consider the possibility that someday she may require care herself. Long term care insurance can help ensure your mother will receive the care she needs, should there come a time when she requires help managing some of the activities associated with independent living.
Millions of Americans require long term care at some point during their lifetime,1 which includes assistance with simple tasks like bathing, eating, and dressing—trivial things we do every day without a second thought. In reality, the type of care needed to provide assistance with these activities can be expensive and is generally not covered by traditional health plans or Medicare.
It's also important to keep in mind that women, in general, live longer than men. This means women may be more likely to need care at some point in their lives than their male counterparts.2
Take a closer look
When visiting mom this year, pay attention to some common behaviors that can help you determine whether she is having difficulty performing everyday activities. It's important not to focus on the behavior itself, but rather the change in that behavior compared to what is considered normal for her. Noticing changes in behavior that may be due to an emerging physical or cognitive impairment is an important first step.
Based on what you observe, the Federal Long Term Care Insurance Program (FLTCIP) may be worth considering when developing your family's plan for long term care.
|Recognizing Change||Significant decrease||Somewhat decreased||Negligible decrease||Unchanged||Some level of increase|
|Cleanliness of the home:
Is there clutter, stacked mail, or dirty dishes?
Is she engaged with friends and family and continuing social interaction at a normal level?
|Personal hygiene and care:
Are regular activities like bathing, dressing, and grooming taking place?
|Level of independence:
Has reliance on a family member increased (e.g., getting a glass of water or answering the phone)?
Are bills piling up and being paid on time?
Is your loved one participating in conversations and staying current with news or a favorite sports team?
Is she maintaining normal eating habits and food within best by ranges?
How did you answer?
The best time for you and your family members to consider long term care insurance is long before it's needed. Because the FLTCIP is medically underwritten, it's important to apply while you are in good health to avoid the risk that a future illness or condition may prevent you from obtaining coverage. Also, premiums are directly related to age. This means the younger you are when you apply for coverage, the lower your premium.
If you're already a FLTCIP enrollee and recognize some of these behavioral changes in a loved one, contact a FLTCIP care coordinator at the phone number provided below to gather important information about the different care options that may be available. The FLTCIP, unlike most long term care insurance plans, provides certain care coordination services to qualified relatives of enrollees at no cost. A call to one of our care coordinators can provide valuable information such as an assessment of need, direction on developing a plan for long term care services, and access to discounted services and providers, where available.
Many members of the Federal family are eligible to apply for coverage under the FLTCIP, including Federal and U.S. Postal Service employees and annuitants, as well as active and retired members of the uniformed services. Qualified relatives such as spouses, domestic partners, parents and parents-in-law, and adult children are also eligible to apply. For a complete eligibility list, visit www.LTCFEDS.com/eligibility.
To learn more about the FLTCIP, visit www.LTCFEDS.com. For personalized assistance, call 1-800-LTC-FEDS (1-800-582-3337) TTY 1-800-843-3557 to speak with a program consultant. Our consultants are available to answer any questions you may have and can walk you step-by-step through the plan design and application process.
1 Center for Disease Control and Prevention. "Long Term Care Services in the United States," www.cdc.gov/nchs/data/nsltcp/long_term_care_services_2013.pdf (accessed February 2016).
2 U.S. Department of Health and Human Services. "Who Needs Care?," http://longtermcare.gov/the-basics/who-needs-care/ (accessed February 2016).