Eligibility

The Federal Long Term Care Insurance Program (FLTCIP) is available to eligible federal and U.S. Postal Service employees and annuitants, active and retired uniformed service members, and certain qualified relatives.

For detailed eligibility information, refer to the Long Term Care Security Act and associated regulations.

Employees

Federal employees

Federal employees in positions that are eligible for the Federal Employees Health Benefits (FEHB) Program (whether or not you're enrolled).

U.S. Postal Service employees

U.S. Postal Service employees in positions that are eligible for the FEHB Program (whether or not you're enrolled).

Active uniformed service members

Active members of the uniformed services on active duty or full-time National Guard duty for more than 30 days; this includes active members of the Selected Reserve. Members of the Individual Ready Reserve are not eligible.

Other eligible employees

  • Tennessee Valley Authority employees
  • D.C. Government employees first employed before October 1, 1987
  • D.C. Courts employees
  • Commander, Navy Installations (CNIC) employees
  • Nonappropriated funds (NAF) employees of the U.S. Department of the Army, U.S. Marine Corps (USMC), Navy Exchange Service Command (NEXCOM), Army and Air Force Exchange Service (AAFES), and U.S. Air Force (USAF)

Retirees

Federal annuitants

Federal annuitants who retired on immediate annuity or for disability under the Civil Service Retirement System (CSRS), Federal Employees Retirement System (FERS), or other retirement system for employees of the federal government.

U.S. Postal Service annuitants

U.S. Postal Service annuitants who retired on immediate annuity or for disability under the CSRS, FERS, or other retirement system for employees of the federal government.

Retired uniformed service members

Retired members of the uniformed services entitled to retired or retainer pay; this includes gray area reservists, even if you're not yet receiving your retired pay.

Survivors

Survivors of federal employees and annuitants, and active and retired uniformed service members, receiving a survivor annuity*; this includes domestic partners receiving an insurable interest annuity. *The Survivor Benefit Plan (SBP) and Dependency and Indemnity Compensation (DIC) are considered survivor annuities for the uniformed services.

Other eligible retirees

  • Deferred annuitants
  • Separated employees with title to a deferred annuity, even if you're not yet receiving it
  • Compensationers receiving compensation from the U.S. Department of Labor
  • Tennessee Valley Authority annuitants
  • D.C. Government annuitants first employed before October 1, 1987
  • D.C. Courts annuitants
  • Commander, Navy Installations (CNIC) retirees
  • Nonappropriated funds (NAF) retirees of the U.S. Department of the Army, U.S. Marine Corps (USMC), Navy Exchange Service Command (NEXCOM), Army and Air Force Exchange Service (AAFES), and U.S. Air Force (USAF)

Qualified relatives

Spouses

Spouses of eligible employees and retirees; former spouses are not eligible, even if you're receiving an apportionment of annuity.

Domestic partners

Domestic partners (either same-sex or opposite-sex) of eligible employees and retirees; you must submit a Declaration of Domestic Partnership form to the employee's or retiree's agency, annuity office, or branch of service before you apply.

Adult children

Adult children (18 years or older) of living eligible employees and retirees; this includes adopted and stepchildren. Children of domestic partners are considered stepchildren.

Parents, parents-in-law, and stepparents

Parents, parents-in-law, and stepparents of living eligible employees; parents of retirees are not eligible.