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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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Planning Ahead with the Federal Long Term Care Insurance Program

If a loved one or friend has experienced a long term care event, you've probably seen how paying for assistance for an individual with Alzheimer's disease or the most basic daily activities, such as bathing and dressing, can impact savings and assets. No one likes to think about long term care, but the truth is millions1 of Americans require this sort of assistance every day. Because health insurance (such as the Federal Employees Health Benefits (FEHB) Program and Medicare) generally does not cover this type of care, individuals must find a way to pay for it. The cost of long term care can be expensive. Just three years of care at home with a health aide, in an assisted living facility, or in a nursing home can range from $88,920 to more than $248,000.2

Make the FLTCIP Part of Your Retirement Plan

Fortunately, you can help secure your future by including the Federal Long Term Care Insurance Program (FLTCIP) as part of your retirement plan. If you're approved for coverage, the FLTCIP can help protect you—and your hard-earned savings—by paying actual charges incurred for long term care services you receive in your home, an assisted living facility, a nursing home, or in other settings. Currently, more than 270,000 members of the Federal family, including active and retired employees—and their qualified relatives—are enrolled in the program.

The Benefits of Applying Now

Federal family members can apply for FLTCIP coverage anytime. While you may recognize the value of long term care insurance, you may not understand the potential risk associated with delaying its purchase. It's important to know premiums are directly related to your age. This means the younger you are when you apply for coverage, the lower your premium. If you wait too long, a change to your health could prevent you from being approved for coverage. Applying now can also ensure you have valuable coverage in case you need care sooner than you may have expected. Once you're enrolled, you can take comfort in knowing that you'll have protection for those "what if" situations and access to expert care coordination.

The Simplicity of Prepackaged Plans

Choosing a level of coverage may seem complicated. The FLTCIP makes it easy by offering four prepackaged plans that combine the program's most popular features and accommodate a range of budgets. Almost two-thirds of enrollees opt for prepackaged plans, but custom plans are also available. The choice is yours.

Premiums That Fit Your Budget

If you're under the impression that long term care insurance is expensive, you may be surprised to learn just how affordable the FLTCIP can be. For example, a 45-year-old who chooses the FLTCIP's most popular prepackaged plan—Plan B with the 4% inflation option—will pay a biweekly premium of $33.90.3 That's less than $68 per month, or a little more than $2 a day, for protection that can save you thousands in future care costs.

To calculate the premium rate for your age and choice of plans, visit

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 If you'd like to explore more information on your own, visit the Online Consultant Tool, which uses video and interactive features to help you learn about long term care and design a FLTCIP plan that suits your needs.

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.

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 U.S. Department of Health and Human Services, National Clearinghouse for Long-Term Care Information. (accessed September 2013).

2 John Hancock Life & Health Insurance Company. "John Hancock 2013 Cost of Care Survey," conducted by LifePlans, Inc., April 2013

3 Premiums are not guaranteed. The premium for your group (for example, those with the same plan design or set of benefits) may only increase if it is determined to be inadequate. While the group policy is in effect, OPM must approve an increase in premium.

Note: FLTCIP premiums are based on your age and the premium rates in effect at the time we receive your application. The premiums included in our articles are only valid as of the date they are written. To verify FLTCIP premium rates before you apply, visit our Premium Calculator.

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.

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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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