Program Details

The Federal Long Term Care Insurance Program (FLTCIP) is sponsored and regulated by the U.S. Office of Personnel Management (OPM) and supported by the strength and stability of John Hancock Life & Health Insurance. The program was established in 2002 as a result of an act of Congress, the Long-Term Care Security Act of 2000 (Public Law 106-265). Since then the FLTCIP has helped members of the federal family take control of their future long term care needs.

Why the FLTCIP?

OPM has worked closely with John Hancock to ensure the insurance coverage under this program offers the kind of benefits and features that are most valuable to members of the federal family.

Choice of care

The FLTCIP helps pay for long term care services in a variety of settings (at home or in a facility, such as an assisted living facility, an adult daycare, or a nursing home) and your choice of caregiver.

Home care

The FLTCIP has a stay-at-home benefit that includes a range of services that support care in your home, helping you maintain your quality of life in familiar surroundings.

Friends & family

Informal care provided by friends and family members is covered*, as long as the caregiver isn't your spouse or domestic partner and doesn't live in your home at the time you become eligible for benefits.*Benefits for care provided by family members is limited to 500 days.

Consumer protections

The FLTCIP is portable and guaranteed renewable, which means you can continue to keep your coverage as long as you pay your premiums.

International benefits

The FLTCIP provides benefits for covered services you receive outside of the United States.