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Benefit Details
Federal Long Term Care Insurance Program (FLTCIP)
Managing Agency U.S. Office of Personnel Management http://www.opm.gov

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 May 2009, we contracted with John Hancock to provide the insurance. The program has been administered by Long Term Care Partners, LLC since its inception in 2001.

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 are eligible for the Federal Employees Health Benefits Program (FEHB) or the Health Insurance Marketplace (Exchange) (whether or not they are actually enrolled in FEHB or an Exchange)
  • U.S. Postal Service (USPS) employees in positions that convey eligibility for the Federal Employees Health Benefits Program or the Health Insurance Marketplace (Exchange) (whether or not they are actually enrolled in FEHB or an Exchange)
  • 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
  • Those 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
Qualified Relatives:
If you are a qualified relative as described below, you can apply even if the person you're related to does not apply, or even if the person you're related to applies but is not approved for coverage.
  • Spouses of employees listed above
  • Spouses of annuitants listed above
  • Surviving spouses of active and retired members of the uniformed services who are receiving a Federal survivor annuity
  • Parents, parents-in-law, and stepparents of living employees listed above (parents, parents-in-law, and step-parents of annuitants and retired members of the uniformed services are not eligible)
  • Adult children (at least 18 years old, including adopted or step children) of living employees or annuitants listed above
  • Same-sex domestic partners of Federal or U.S. Postal Service employees or annuitants who have submitted (either directly or through their partner) a declaration form affirming this status to the partner's employing agency or retirement system. This does not include a same-sex domestic partner of an active or retired member of the uniformed services. Before you apply as a same-sex domestic partner, please visit www.LTCFEDS.com to download the declaration form and for important information about filing the form.

Your Next Steps

The following information will lead you to the next steps to apply for this benefit.

Application Process

To apply online please visit http://www.ltcfeds.com/enrollee_registration/NewIndex.html.

Program Contact Information

To learn more about FLTCIP or to enroll go to www.ltcfeds.com/
OR
Call 1-800-LTC-FEDS (1-800-582-3337)
OR
Visit:
http://www.opm.gov/healthcare-insurance/long-term-care/