News and Announcements

06/01/2018

Help Protect Your Family with the Federal Long Term Care Insurance Program
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05/01/2018

Uniformed Services Members: Help Protect Your Family with the Federal Long Term Care Insurance Program
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03/02/2018

Caregiving: The FLTCIP Offers Support When You Need It Most
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call us 1-800-582-3337 TTY 1-800-843-3557

 

FLTCIP 2.0 Monthly Premium Rates

FLTCIP 2.0 Monthly Premium Rates

Premiums are based on your age and the premium rates in effect at the time we receive your application. The premium chart below provides monthly premiums for the FLTCIP's prepackaged plans and is valid for 30 calendar days. If you do not apply within 30 calendar days, are customizing a plan, or are older than age 110, use our Premium Calculator or call us at 1-800-LTC-FEDS (1-800-582-3337) TTY 1-800-843-3557 to calculate your premium. Click here to see biweekly rates.

Premiums are not guaranteed. Premiums can increase only if you are among a group of enrollees whose premium is determined to be inadequate and both the U.S. Office of Personnel Management and the insurer agree to the rate change.

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Age Plan A Plan B Plan C Plan D
4% ACIO 5% ACIO FPO 4% ACIO 5% ACIO FPO 4% ACIO 5% ACIO FPO 4% ACIO 5% ACIO FPO
18-30 $57.87 $97.52 $12.85 $78.71 $133.76 $14.67 $104.94 $178.35 $19.56 $166.18 $284.49 $27.83
31 $58.80 $98.21 $13.38 $79.99 $134.70 $15.33 $106.65 $179.60 $20.45 $168.95 $286.55 $29.17
32 $59.75 $98.90 $13.93 $81.29 $135.64 $16.03 $108.38 $180.85 $21.37 $171.76 $288.62 $30.59
33 $60.72 $99.60 $14.50 $82.61 $136.59 $16.76 $110.15 $182.12 $22.34 $174.61 $290.71 $32.07
34 $61.70 $100.31 $15.09 $83.95 $137.55 $17.52 $111.94 $183.40 $23.36 $177.52 $292.81 $33.62
35 $62.70 $101.02 $15.71 $85.32 $138.51 $18.32 $113.76 $184.68 $24.42 $180.47 $294.93 $35.25
36 $63.71 $101.74 $16.28 $86.70 $139.48 $19.06 $115.61 $185.97 $25.42 $183.47 $297.06 $36.96
37 $64.74 $102.46 $16.86 $88.11 $140.46 $19.84 $117.48 $187.28 $26.46 $186.52 $299.21 $38.75
38 $65.79 $103.19 $17.47 $89.55 $141.44 $20.65 $119.39 $188.59 $27.54 $189.62 $301.37 $40.63
39 $66.86 $103.92 $18.11 $91.00 $142.43 $21.50 $121.34 $189.91 $28.66 $192.77 $303.55 $42.60
40 $67.94 $104.65 $18.76 $92.48 $143.43 $22.37 $123.31 $191.24 $29.83 $195.98 $305.75 $44.66
41 $68.97 $105.23 $19.74 $93.88 $144.18 $23.61 $125.17 $192.24 $31.48 $198.95 $307.35 $46.95
42 $70.02 $105.80 $20.77 $95.29 $144.94 $24.92 $127.06 $193.26 $33.22 $201.97 $308.96 $49.35
43 $71.08 $106.38 $21.85 $96.73 $145.70 $26.30 $128.97 $194.27 $35.06 $205.03 $310.57 $51.88
44 $72.16 $106.97 $22.99 $98.19 $146.47 $27.75 $130.92 $195.29 $37.00 $208.13 $312.20 $54.53
45 $73.26 $107.56 $24.19 $99.67 $147.24 $29.29 $132.90 $196.32 $39.05 $211.29 $313.83 $57.32
46 $74.57 $108.45 $25.47 $101.47 $148.45 $30.92 $135.29 $197.93 $41.22 $215.16 $316.47 $60.45
47 $75.91 $109.35 $26.83 $103.29 $149.67 $32.64 $137.72 $199.55 $43.52 $219.10 $319.13 $63.75
48 $77.27 $110.26 $28.25 $105.15 $150.89 $34.45 $140.20 $201.19 $45.94 $223.11 $321.81 $67.24
49 $78.66 $111.17 $29.75 $107.05 $152.13 $36.37 $142.73 $202.84 $48.50 $227.20 $324.52 $70.91
50 $80.07 $112.10 $31.33 $108.97 $153.38 $38.40 $145.30 $204.51 $51.19 $231.36 $327.24 $74.78
51 $83.98 $116.01 $33.40 $112.86 $157.44 $41.00 $150.48 $209.92 $54.66 $239.48 $335.68 $79.95
52 $88.08 $120.06 $35.61 $116.89 $161.61 $43.78 $155.85 $215.48 $58.37 $247.87 $344.32 $85.47
53 $92.38 $124.26 $37.96 $121.06 $165.88 $46.74 $161.41 $221.18 $62.33 $256.57 $353.20 $91.36
54 $96.89 $128.60 $40.46 $125.38 $170.27 $49.91 $167.18 $227.03 $66.55 $265.56 $362.30 $97.67
55 $101.62 $133.09 $43.13 $129.86 $174.78 $53.30 $173.14 $233.04 $71.06 $274.88 $371.63 $104.41
56 $106.79 $138.70 $45.92 $136.04 $180.61 $56.80 $181.39 $240.81 $75.74 $286.30 $383.61 $112.34
57 $112.21 $144.54 $48.89 $142.52 $186.63 $60.54 $190.02 $248.84 $80.72 $298.20 $395.97 $120.86
58 $117.91 $150.63 $52.05 $149.30 $192.85 $64.52 $199.07 $257.13 $86.03 $310.59 $408.74 $130.04
59 $123.89 $156.98 $55.42 $156.41 $199.28 $68.77 $208.55 $265.70 $91.69 $323.50 $421.91 $139.91
60 $130.19 $163.60 $59.00 $163.86 $205.92 $73.29 $218.48 $274.56 $97.72 $336.94 $435.51 $150.52
61 $137.86 $171.78 $63.57 $173.35 $216.00 $79.12 $231.14 $288.00 $105.49 $355.62 $455.59 $164.00
62 $145.99 $180.36 $68.48 $183.39 $226.58 $85.41 $244.52 $302.10 $113.88 $375.33 $476.58 $178.68
63 $154.60 $189.38 $73.77 $194.01 $237.67 $92.20 $258.69 $316.89 $122.93 $396.14 $498.55 $194.67
64 $163.71 $198.85 $79.47 $205.25 $249.30 $99.53 $273.67 $332.40 $132.70 $418.09 $521.53 $212.10
65 $173.37 $208.79 $85.62 $217.14 $261.51 $107.44 $289.52 $348.68 $143.25 $441.27 $545.56 $231.09
66 $176.61 $211.70 $92.53 $224.73 $269.59 $116.00 $299.64 $359.46 $154.66 $460.48 $564.65 $249.06
67 $179.92 $214.65 $100.01 $232.59 $277.93 $125.24 $310.12 $370.57 $166.99 $480.54 $584.39 $268.42
68 $183.29 $217.65 $108.08 $240.73 $286.52 $135.22 $320.97 $382.03 $180.30 $501.46 $604.83 $289.29
69 $186.72 $220.68 $116.81 $249.15 $295.38 $146.00 $332.19 $393.84 $194.67 $523.30 $625.99 $311.78
70 $190.22 $223.76 $126.24 $257.86 $304.51 $157.64 $343.81 $406.01 $210.18 $546.09 $647.88 $336.02
71 $208.65 $243.57 $142.04 $280.36 $328.49 $176.40 $373.81 $437.99 $235.20 $584.73 $688.93 $368.87
72 $230.77 $265.12 $159.81 $304.83 $354.36 $198.44 $406.43 $472.48 $264.58 $626.09 $732.57 $404.94
73 $255.24 $288.59 $179.81 $331.43 $382.26 $223.22 $441.90 $509.68 $297.63 $670.39 $778.98 $444.53
74 $282.31 $316.16 $202.32 $360.35 $412.36 $251.10 $480.47 $549.82 $334.80 $717.82 $828.33 $487.99
75 $312.25 $346.75 $227.63 $391.80 $444.83 $282.46 $522.39 $593.11 $376.62 $768.60 $880.81 $535.70
76 $340.10 $376.38 $251.50 $425.99 $479.86 $312.01 $567.98 $639.82 $416.01 $822.97 $936.61 $588.08
77 $370.44 $408.56 $277.87 $463.16 $517.65 $344.64 $617.55 $690.20 $459.52 $881.20 $995.95 $645.58
78 $403.49 $443.47 $307.00 $503.58 $558.41 $380.69 $671.44 $744.55 $507.59 $943.54 $1059.05 $708.69
79 $439.48 $481.38 $339.19 $547.52 $602.39 $420.51 $730.03 $803.18 $560.68 $1010.29 $1126.14 $777.98
80 $478.68 $522.52 $374.75 $595.30 $649.82 $464.49 $793.74 $866.43 $619.32 $1081.77 $1197.49 $854.05
81 $503.75 $549.89 $401.00 $626.48 $683.85 $497.03 $835.31 $911.80 $662.71 $1138.42 $1260.20 $913.88
82 $530.13 $578.69 $429.10 $659.29 $719.67 $531.86 $879.05 $959.55 $709.14 $1198.04 $1326.20 $977.91
83 $557.90 $608.99 $459.16 $693.82 $757.35 $569.12 $925.09 $1009.81 $758.83 $1260.78 $1395.65 $1046.43
84 $587.11 $640.88 $491.33 $730.15 $797.02 $608.99 $973.54 $1062.69 $811.99 $1326.81 $1468.75 $1119.74
85 $617.86 $674.45 $525.75 $768.39 $838.76 $651.66 $1024.52 $1118.34 $868.88 $1396.30 $1545.66 $1198.19
86 $673.47 $735.15 $573.07 $837.55 $914.25 $710.31 $1116.73 $1219.00 $947.08 $1521.96 $1684.77 $1306.03
87 $734.08 $801.31 $624.65 $912.93 $996.53 $774.24 $1217.23 $1328.70 $1032.32 $1658.94 $1836.40 $1423.57
88 $800.15 $873.43 $680.87 $995.09 $1086.22 $843.92 $1326.79 $1448.29 $1125.22 $1808.24 $2001.68 $1551.69
89 $872.16 $952.04 $742.14 $1084.65 $1183.98 $919.87 $1446.20 $1578.63 $1226.50 $1970.98 $2181.83 $1691.34
90 $950.66 $1037.72 $808.94 $1182.27 $1290.53 $1002.66 $1576.35 $1720.71 $1336.88 $2148.37 $2378.20 $1843.56
91 $1036.22 $1131.12 $881.74 $1288.67 $1406.68 $1092.90 $1718.23 $1875.58 $1457.20 $2341.73 $2592.23 $2009.48
92 $1129.47 $1232.92 $961.10 $1404.65 $1533.28 $1191.26 $1872.87 $2044.38 $1588.35 $2552.48 $2825.54 $2190.34
93 $1231.13 $1343.88 $1047.60 $1531.07 $1671.28 $1298.47 $2041.42 $2228.37 $1731.30 $2782.21 $3079.83 $2387.47
94 $1341.93 $1464.83 $1141.88 $1668.86 $1821.69 $1415.34 $2225.15 $2428.92 $1887.11 $3032.60 $3357.02 $2602.34
95 $1462.70 $1596.66 $1244.65 $1819.06 $1985.65 $1542.72 $2425.42 $2647.53 $2056.96 $3305.54 $3659.15 $2836.55
96 $1594.34 $1740.36 $1356.67 $1982.78 $2164.35 $1681.56 $2643.70 $2885.80 $2242.08 $3603.04 $3988.47 $3091.84
97 $1737.84 $1897.00 $1478.77 $2161.23 $2359.15 $1832.90 $2881.64 $3145.53 $2443.87 $3927.31 $4347.44 $3370.11
98 $1894.24 $2067.73 $1611.86 $2355.74 $2571.47 $1997.86 $3140.98 $3428.62 $2663.82 $4280.77 $4738.71 $3673.42
99 $2064.72 $2253.82 $1756.93 $2567.75 $2802.90 $2177.67 $3423.67 $3737.20 $2903.56 $4666.04 $5165.19 $4004.02
100 $2283.66 $2471.85 $1976.79 $2838.73 $3072.62 $2449.66 $3784.97 $4096.83 $3266.22 $5165.76 $5669.59 $4510.27
101 $2525.82 $2710.96 $2224.17 $3138.30 $3368.30 $2755.63 $4184.40 $4491.07 $3674.17 $5719.00 $6223.26 $5080.53
102 $2793.66 $2973.21 $2502.50 $3469.49 $3692.44 $3099.81 $4625.98 $4923.25 $4133.08 $6331.49 $6830.99 $5722.89
103 $3089.90 $3260.83 $2815.67 $3835.62 $4047.76 $3486.98 $5114.17 $5397.01 $4649.31 $7009.58 $7498.07 $6446.47
104 $3417.55 $3576.27 $3168.03 $4240.40 $4437.28 $3922.51 $5653.86 $5916.37 $5230.01 $7760.29 $8230.29 $7261.53
105 $3779.94 $3922.22 $3564.48 $4687.89 $4864.28 $4412.44 $6250.52 $6485.70 $5883.25 $8591.40 $9034.02 $8179.65
106 $4180.76 $4301.64 $4010.54 $5182.60 $5332.37 $4963.55 $6910.14 $7109.82 $6618.07 $9511.52 $9916.24 $9213.85
107 $4624.09 $4717.76 $4512.42 $5729.52 $5845.50 $5583.51 $7639.37 $7794.00 $7444.68 $10530.18 $10884.61 $10378.81
108 $5114.42 $5174.14 $5077.11 $6334.16 $6408.02 $6280.90 $8445.55 $8544.02 $8374.53 $11691.06 $11947.54 $11691.06
109 $5712.47 $5712.47 $5712.47 $7065.39 $7065.39 $7065.39 $9420.52 $9420.52 $9420.52 $13169.22 $13169.22 $13169.22
110 $6427.33 $6427.33 $6427.33 $7947.86 $7947.86 $7947.86 $10597.15 $10597.15 $10597.15 $14834.28 $14834.28 $14834.28

 


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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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