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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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The Benefits of Long Term Care Insurance Are Invaluable

While many enrollees in the Federal Long Term Care Insurance Program (FLTCIP) may question at one time or another whether long term insurance is worth the cost, they may ultimately realize the emotional and financial reassurance of having this protection may offer value that outweighs the cost of premiums.

If you struggle with the question, "What's it worth?," look beyond dollars and cents. Evaluate how an insurance program like the FLTCIP can help ensure your independence as well as maintain your quality of life and positive relationships with family members and friends, should you ever need long term care.

As you assess the FLTCIP's value, consider these important benefits.

Receive care in your own home, from people you know
After experiencing a long term care event, you should have the freedom to choose where you'll receive care and from whom. Most long term care is provided at home by unpaid caregivers1 and so the FLTCIP is designed to accommodate that scenario.

If you prefer to receive care at home, the FLTCIP offers you two important advantages. First, the FLTCIP 2.0 plan will pay up to 100% of your chosen daily benefit amount for home-based care; and second, it will pay for informal care services provided by a friend, relative, or private caregiver.2

Remain independent and in control
The FLTCIP can also help ensure your independence and reduce your reliance on loved ones. Some individuals choose to use their insurance benefits to help pay for care from a home care agency rather than depend on their family members or friends to assist with hands-on care of a personal nature. This approach minimizes the need for loved ones to make the financial, emotional, and physical sacrifices associated with caregiving. Important relationships can continue much as they always did, while your hard-earned savings can be preserved as intended—for supporting a loved one, contributing to charity, enjoying your retirement, and more.

Make care decisions with more knowledge and less stress
As an enrollee, you have unlimited access to the FLTCIP's care coordinators, who are registered nurses experienced in long term care. Our care coordinators 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.

Certain care coordination services are also available to your qualified relatives at no cost, even if they are not enrolled. This can be invaluable in helping reduce the stress that may develop if a relative needs long term care.

Use stay-at-home benefits for improved care, comfort, and safety
The FLTCIP 2.0 plan offers enrollees an added benefit that supports care at home, including care-planning visits, home modifications (such as installing wheelchair ramps), emergency medical response systems, durable medical equipment (such as wheelchairs, walkers, or hospital-style beds), caregiver training, and home safety checks. This stay-at-home benefit will provide 30 times your daily benefit amount for you to spend on important equipment and services that can improve your care, comfort, and safety. For example, if your daily benefit amount for care is $100, your stay-at-home benefit will provide you with an additional $3,000.

Protect savings and assets from long term care costs
The financial impact of long term care events are well-documented and widely publicized. Paying for continuing custodial care and assistance with bathing, dressing, eating, and other daily activities can be expensive. The current national average for long term care services for a home health aide is $21 an hour while the daily cost of a semiprivate room in a nursing home is $251.3

The FLTCIP offers comprehensive protection against the consequences of a possible long term care event. In this respect, long term care insurance is much like homeowners, auto, and even health insurance. The coverage is there if and when you need it, but you hope you never have a reason to use it.

Many enrollees can attest to the value the FLTCIP has to offer. The FLTCIP has delivered on its financial promises and is currently paying more than $13 million per month in claims. To date, more than $675 million in claims have been paid out since the program began in 2002. The claim approval rate is also excellent, with more than 97% of all claims approved for payment. Additionally, approved claims are generally paid within five days.

Learn more
If you or your qualified relatives would like 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 help with decision-making, request a premium quote, or obtain general information about long term care and the FLTCIP.

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. "Where Can You Receive Care?," (accessed May 2016).

2 The FLTCIP will reimburse for informal care services if care is provided by a person who did not live in your home at the time you became eligible for benefits.

3 John Hancock Life & Health Insurance Company. "John Hancock 2016 Cost of Care Survey," conducted by LifePlans, Inc., September 2016.


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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