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...

Why plan now?
Long term care can be expensive. By planning now, you can preserve more of your future savings and assets for needs other than long term care. You’ll also have greater control over your care.


Which Plan Is Right for You?

Which Plan Is Right for You?

The Federal Long Term Care Insurance Program (FLTCIP) offers you the option to either select one of four prepackaged plans or to customize your own plan.

Prepackaged plans

The FLTCIP offers four prepackaged plans that you can choose from. For the plan you select, you will need to choose an inflation protection option. View details for each of the four pre-packaged plans here.

Customizing your own plan

If you choose to customize a plan, you can pick the options that best suit your needs. You must choose your daily benefit amount, benefit period, and inflation protection option. View the details for customizing your own plan here.

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