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...


Plan Choices and Features

Plan Choices and Features

There is no one-size-fits-all when it comes to long term care insurance. Review the key features of a long term care insurance plan under the Federal Long Term Care Insurance Program (FLTCIP) below to better understand how they affect your coverage:

  1. Daily benefit amount
  2. Benefit period
  3. Waiting period
  4. Inflation protection option

Important Considerations Before Deciding Plan Options

Keep in mind, there are some things you should know before making your plan decision. These include the cost of care in your area, how much you might be able to pay for on your own, and other important information. To help you learn this information, we have created our LTCI Suitability Tools.

You can also visit the section titled Which Plan Is Right for You?. This section will help you determine whether one of our prepackaged plans meets your needs or if you might want to customize a plan.

We Encourage You to Shop and Compare

Once you have tried the tools and selected your plan options, use our Benefits and Features Comparison Worksheet to compare the FLTCIP with other plans on the market.

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