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Do Long Term Care Insurance Rates Ever Increase?

Do Long Term Care Insurance Rates Ever Increase?

Yes, long term care insurance rates can increase, unless they are issued as "guaranteed rates." The Federal Long Term Care Insurance Program (FLTCIP) does not include guaranteed rates.

Your premium under the FLTCIP will not change because you get older or your health changes or for any other reason related solely to you. However, your premiums may increase if you are among a group of enrollees whose premium is determined to be inadequate.

Of course, if you elect an increase in your benefits (such as with the future purchase option), your premium would increase accordingly.

The U.S. Office of Personnel Management (OPM) requires the FLTCIP insurer(s) to use the National Association of Insurance Commissioners (NAIC) model pricing guidelines.

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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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