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Home for the Holidays
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Alzheimer's Disease: Planning for an Unknown Future
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Arthritis: Long Term Pain May Require Long Term Care
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Will I Always Be Able to Keep My Long Term Care Insurance Coverage?

Will I Always Be Able to Keep My Long Term Care Insurance Coverage?

Tax-qualified long term care insurance plans are required to be guaranteed renewable. That means your coverage cannot be canceled as long as you pay your premiums. Coverage under the Federal Long Term Care Insurance Program (FLTCIP) is guaranteed renewable.

Additionally, your coverage under the FLTCIP is portable. This means that once your coverage is effective, even if you are no longer a member of an eligible group, you can keep your coverage as long as you continue to pay your premiums and have not used up your maximum lifetime benefit. For example, if you leave the Government, you get to keep the insurance at the same premiums as if you never left the eligible group as long as you continue paying the premiums.

Your benefits and premiums will not change because you leave an eligible group.

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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.

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