Benefits

Long Term Care

The Federal Long Term Care Insurance Program (FLTCIP)

What is LTC:
Long term care is the type of care that you may need if you can no longer perform "activities of daily living" by yourself, such as eating, bathing or getting dressed. It also includes the kind of care you would need if you had a severe cognitive impairment like Alzheimer's disease. Care can be received in a variety of settings, including your own home, assisted living facilities, adult day care centers or hospice facilities.

Long term care isn’t intended to cure you. It is chronic care that you might need for the rest of your life. This care can span years and can be expensive depending on the type of care you need and location where that care is received. Long term care insurance is one way of helping to pay for these expenses.

Eligibility:
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 required members of the uniformed services, and qualified relatives.

Enrollment:
You can apply now using the Full Underwriting Application if you are in one of the groups eligible to apply for coverage! To get an Information Kit with application, go to the Information and Forms section on LTC’s website.

Newly hired employees and their spouses, along with newly acquired spouses of current employees, may apply for the program using the abbreviated application within 60 days of becoming eligible.  After that time, they can still apply, but have to use the Full Underwriting Application. 

The scheduled effective date will generally be the first day of the first month after your application is approved. You'll receive a letter from Long Term Care Partners containing your scheduled effective date and what might change that date. If you apply using the Abbreviated Underwriting Application, you must meet an actively at work requirement for your coverage to become effective.

This program does not have annual open seasons. You do NOT need to wait for an open season! If you're in an eligible group, you can apply at any time, using the Full Underwriting Application.

Contacting LTC:
Please visit www.ltcfeds.com for additional information on options and costs. Or, telephone      1-800-LTC-FEDS (1-800-582-3337) / TTY: 1-800-843-3557, Monday through Friday 8:00am-6:00pm Eastern Standard Time (closed Saturdays, Sundays, and Federal holidays). 

Last Updated: 06/01/2009