With the FLTCIP, Designing a Plan Is Easier Than You Think

Members of the Federal family often say how easy it is to apply for coverage with the Federal Long Term Care Insurance Program (FLTCIP). And it's no wonder. All it takes to design a plan are three simple decisions. So if you've put off applying to the FLTCIP because you thought it would be difficult, it's time... Read more...


Waiting Period

Waiting Period

The waiting period under the Federal Long Term Care Insurance Program (FLTCIP) is 90 days. The waiting period is the number of calendar days during which you must be eligible for benefits before we will pay benefits.

We do not pay benefits for services you receive during your waiting period, except for hospice care, respite services and the stay-at-home benefit.

You only have to satisfy the waiting period once in your lifetime. Days applied toward satisfying the waiting period need not be consecutive, nor associated with the same episode of care.

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.

apply now