The Federal Long Term Care Insurance Program (FLTCIP) is currently undergoing a temporary suspension, meaning new applications are not being accepted. This pause, extended until December 2024, is due to market volatility affecting long-term care costs and the insurance landscape. However, understanding the FLTCIP remains crucial for federal employees, annuitants, and their families planning for future long-term care needs.
FLTCIP is designed to help cover the substantial costs associated with long-term care services. These services become necessary when individuals require assistance with daily living activities or face cognitive impairments like Alzheimer’s disease. For eligible federal personnel and their qualified relatives, FLTCIP offers a pathway to financial security and peace of mind should long-term care become a reality. When active, the program is available to most federal and U.S. Postal Service employees, annuitants, active and retired members of the uniformed services, and their eligible family members. Generally, employee eligibility hinges on being eligible for the Federal Employees Health Benefits (FEHB) Program, regardless of actual FEHB enrollment. Annuitants have a more direct path to eligibility, without needing FEHB program ties. It’s important to note that certain pre-existing health conditions can affect application approval once the program resumes.
For those seeking more detailed information or assistance, Long Term Care Partners can be contacted at 1-800-582-3337. Additionally, the LTCFEDS website provides comprehensive resources, including the Care Navigator tool, which assists caregivers and those needing care in navigating the complexities of aging and long-term care options. While enrollment is temporarily paused, exploring these resources can provide valuable insights into the potential benefits of the FLTCIP for your future planning.
