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The Federal Long Term Care Insurance Program Reflects Your Preference for Home Care

Today, many individuals prefer to receive long term care at home rather than in a facility, such as an assisted living facility or a nursing home. If home care is your preference, you'll be pleased to know the Federal Long Term Care Insurance Program (FLTCIP) includes valuable features that support care in your home, helping you maintain quality of life in familiar surroundings.

The FLTCIP reflects your preference for home care
The FLTCIP covers care provided in your home by friends, family members,1 and other authorized caregivers, as well as formal care by licensed caregivers. It also provides reimbursement for actual charges you incur up to 100% of your daily benefit amount. The program's coverage of home care is one of the most flexible in the long term care insurance industry.

The preference for home care is reflected in the number of enrollees who take advantage of this popular feature. Currently, more than half of all FLTCIP enrollees choose to receive care services at home in order to avoid entering an assisted living facility or a nursing home for as long as they can. And many have elected to receive care services from someone they know since the FLTCIP can reimburse family caregivers for their services.

The FLTCIP can help support families
When the need for long term care arises, adult children are often the first people called upon to provide care. However, assuming the role of caregiver can have a significant financial and emotional impact. Juggling the demands of caregiving with a career and child-rearing responsibilities can be overwhelming. The FLTCIP can reimburse for home care by licensed caregivers so family members can continue to be employed full-time while directing your services.

In addition, the FLTCIP can help relieve your family caregiver of some of the burdens commonly associated with caregiving. For example, when they're providing hands-on care, family caregivers often have less time to spend with their other family members and close friends, or even look after their own health. Not surprisingly, they report more depression and physical illness than individuals who aren't providing care for their aging relatives.2

Understanding this, the FLTCIP reimburses for respite care, so your family caregiver can take much-needed time off. This benefit will pay for a substitute caregiver in your home for the weekend or formal services at a nursing home so your family caregiver can take a vacation or just relax.

Special benefits improve safety and well-being at home
Once you're determined to be benefit eligible, the FLTCIP stay-at-home benefit3 can help you remain at home safely and maintain your quality of life. Valuable stay-at-home services may include:

  • home modifications that can help you better manage care in a home setting, such as adding hand grips in a bathtub and installing wheelchair ramps
  • a personal emergency response system that can help enrollees who want to remain in their own home, but who don't have round-the-clock supervision
  • caregiver training so a family member or other informal caregiver can learn safe practices on how to provide care, such as helping to move you safely in and out of a tub or shower

Take the Next Step Today
To learn more about the FLTCIP's comprehensive benefits and features, register for one of our upcoming webinars or view our existing library of webinar recordings at

For personalized assistance, call 1-800-LTC-FEDS (1-800-582-3337) TTY 1-800-843-3557 to speak with a program consultant. They are available to answer any questions you may have and can walk you step-by-step through the plan design and application process.

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.

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.

1 Benefits for informal caregivers who are family members are limited to 500 days in your lifetime. To be eligible for reimbursement as an informal caregiver, a family member must not have been living in your home at the time you became eligible for benefits.

2 MetLife Mature Market Institute, MetLife Study of Caregiving Costs to Working Caregivers, June 2011.

3 Stay-at-home benefits must be part of an approved plan of care.

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

FLTCIP009467 (1213)

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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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