News and Announcements


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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What Happens if I Stop Paying Premiums?

What Happens if I Stop Paying Premiums?

As with most other types of insurance coverage, if you stop paying your long term care insurance premiums, your policy will most likely be canceled.

However, there are some plans that offer a non-forfeiture benefit. A non-forfeiture benefit provides protection if you cancel your coverage. Non-forfeiture provides limited benefits, typically based on the amount of time you have had the coverage and the amount of premium payments you have paid.

Other plans offer a contingent non-forfeiture benefit. This benefit provides protection if you are no longer able to pay premiums due to a premium increase to a certain level.

The Federal Long Term Care Insurance Program (FLTCIP) includes a contingent non-forfeiture benefit at no extra cost.

[ Back to LTCI Basics ]


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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