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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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Does Long Term Care Insurance Only Cover Care in a Nursing Home?

Does Long Term Care Insurance Only Cover Care in a Nursing Home?

No. While some plans only pay for care in a nursing home or assisted living facility, other plans also cover long term care you receive in your own home or other settings.

Most people receive long term care in settings outside of a nursing home. The Federal Long Term Care Insurance Program (FLTCIP) provides comprehensive coverage, regardless of whether you receive care at home, in an assisted living facility, in a nursing home, or in an inpatient hospice care environment.

Unlike some other plans, the FLTCIP also covers approved care provided at home by informal caregivers such as friends, family members and other non-licensed caregivers.

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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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