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The FLTCIP is offered to Federal and U.S. Postal Service employees and annuitants, active and retired members of the uniformed services, certain other eligible groups, and their qualified relatives.


Plan Details and Cost

Plan Details and Cost

If you are a current enrollee, please log in to your online account to access information specific to your current coverage under the Federal Long Term Care Insurance Program (FLTCIP). If you are enrolled in the FLTCIP 1.0 plan, the FLTCIP 2.0 plan details listed below do not apply to you. Please also read the FLTCIP Plan Comparison to see what FLTCIP 2.0 offers and how it compares to the original plan, FLTCIP 1.0.

The U.S. Office of Personnel Management has worked closely with John Hancock Life & Health Insurance Company to ensure the Federal Long Term Care Insurance Program, also known as the FLTCIP, offers the kind of benefits and features that are most valuable to members of the Federal family today and in the future.

This section of the website provides information about the FLTCIP 2.0 plan, including:

For more general information, please read our Introduction to Long Term Care and Long Term Care Insurance.

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