2023 Enrollee Decision Period
Deadline: November 9, 2023

Long Term Care Partners, LLC, administrator of the Federal Long Term Care Insurance Program (FLTCIP), mailed Enrollee Decision Period letters to FLTCIP enrollees impacted by the current premium increase effective January 1, 2024. The mailings started in September 2023 and were sent over several days, so you may not receive your letter at the same time as other enrollees. The letter includes information about the premium increase with personalized options to help mitigate the impact of the increase. You can also view your options online in your My LTCFEDS account.

Who's impacted

Impacted

Most FLTCIP enrollees are impacted by the current premium increase effective January 1, 2024. In general, you are impacted if you have FLTCIP 1.0, FLTCIP 2.0, or FLTCIP Alternative Insurance Plan (AIP) coverage and are not currently eligible for benefits or waiting for a decision on a pending claim.

There may be exceptions to this depending on your issue age (the age you applied and were approved for coverage). If you are excluded from the current premium increase, you will receive a letter indicating this.

Not impacted

If you have FLTCIP 3.0 coverage, you are not impacted by the current premium increase.

If you are currently eligible for benefits or waiting for a decision on a pending claim and you have FLTCIP 1.0, FLTCIP 2.0 or FLTCIP AIP coverage, you are not impacted. In the event your condition improves so that you are no longer eligible for benefits, or your pending claim is not approved, then your coverage, if you have not exhausted your Maximum Lifetime Benefit, will be subject to a premium increase.

You may not be impacted by the current premium increase; however, this does not mean your premiums are guaranteed. Your premium will not change because you get older or your health changes, or for any other reason related solely to you. Premiums may only change if you are among a group of enrollees whose premium is determined to be inadequate and OPM approves the change.

Premium increase

The FLTCIP premium increase will take effect on January 1, 2024.

The exact amount of the premium increase can vary based on your group. Each group is determined based on a combination of benefit options (such as your Benefit Period and/or inflation protection option), issue age (the age when you applied and were approved for coverage), and current plan (FLTCIP 1.0, FLTCIP 2.0, or FLTCIP AIP).