Federal Long Term Care Insurance Program

The Federal Long Term Care Insurance Program (FLTCIP) began in January 2003. This insurance is offered to provide an alternative for long term care when an employee is not able to care for him/herself. This care includes, but is not limited to, nursing home care, assisted living facility care, formal and informal in-home care, hospice care, and respite care. This insurance is available to Federal employees, annuitants, current spouses, adult children, parents, parents-in-law, and step-parents of living employees.

Through this program, employees have an opportunity to design their own long term care insurance plan. Premiums are based on the employee's age at the time the insurance is purchased as well as the choices made about the amount of the benefit, length of the policy, the waiting period, and the type of inflation protection selected. Employees pay 100% o the premiums. Coverage is guaranteed renewable and is fully portable.

The Office of Personnel Management (OPM) contracted with John Hancock and Met Life to provide this insurance. They formed a company called Long Term Care Partners, LLC, to administer the Program. For more detailed information about this program, visit the one of the following websites or call the number listed below:

Telephone assistance:

1-800-LTC-FEDS (1-800-582-3337)
TTY: 1-800-843-3557
Monday - Friday, 8 a.m. to 7 p.m., Eastern Standard Time

Press OPTION 1 to request literature and/or an application, .
Press OPTION 2 if you have NOT applied and need information or help with your application, or to talk with a Certified Long Term Care Insurance Consultant
Press OPTION 3 if you HAVE applied and have questions on your application or enrollment.