Program Description
The Federal Long Term Care Insurance Program provides long term care insurance to help pay for costs of care when you need help with activities you perform every day, or you have a severe cognitive impairment, such as Alzheimer's disease. Over 20 million members of the Federal Family can apply for the insurance offered in this Program.
In December 2001, we contracted with John Hancock and MetLife to provide the insurance. They formed a company called Long Term Care Partners, LLC to administer this Program.
General Program Requirements
Several groups are eligible to apply for coverage under the Federal Long Term Care Insurance Program (FLTCIP). This includes Federal employees and annuitants, including members and retired members of the uniformed services, and qualified relatives. Specifically, the following groups are eligible to apply for coverage:
Employees:
• Federal employees in positions that convey eligibility for the Federal Employees Health Benefits Program (whether or not they are actually enrolled in FEHB)
• U.S. Postal Service (USPS) employees in positions that convey eligibility for the Federal Employees Health Benefits Program (whether or not they are actually enrolled in FEHB)
• Active Members of the Uniformed Services who are on active duty or full-time National Guard duty for more than 30 days
• Active Members of the Selected Reserve (Members of the Individual Ready Reserve are NOT eligible to apply)
• Tennessee Valley Authority employees (even though they may not be eligible for FEHB coverage)
• D.C. Government employees who were first employed by the D.C. Government before October 1, 1987
• D.C. Courts employees
• Navy Personnel Command (BUPERS) NAF employees
Annuitants:
• Federal or USPS annuitants, including survivor and deferred annuitants
• Retired Members of the Uniformed Services who are entitled to retired or retainer pay
• Retired "Grey" Reservists, even if they are not yet receiving their retired pay
• Separated employees with title to a deferred annuity, even if they are not yet receiving that annuity
• Tennessee Valley Authority annuitants
• Compensationers receiving compensation from the Department of Labor
• D.C. Government annuitants first employed by the D.C. Government before October 1, 1987
• D.C. Courts annuitants
• Navy Personnel Command (BUPERS) NAF annuitants
Application Process
For more information, see the Program Contact Information below.
Program Contact Information
For more information on the Federal Long Term Care Insurance Program, including eligibility information, please visit:
http://www.opm.gov/insure/ltc/
To apply online please visit the following website:
http://www.ltcfeds.com/apply/ImpNotice.html
Managing Agency
U.S. Office of Personnel Management
http://www.opm.gov
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