The Federal Long Term Care Insurance Program (FLTCIP) is designed to help eligible federal employees, U.S. Postal Service workers, members of the uniformed services, annuitants, and their qualified relatives cover the high costs associated with long-term care services. These services become necessary when individuals need assistance with daily living activities or are experiencing severe cognitive impairment, such as Alzheimer’s disease. It is important to note that new applications for FLTCIP coverage are currently suspended, and this suspension is extended until December 19, 2024. Existing enrollees also cannot apply to increase their coverage during this period.
FLTCIP aims to provide financial security by helping to pay for care that is not typically covered by regular health insurance or Medicare. This care can range from assistance at home to care in facilities like nursing homes or assisted living. When active and not under suspension, eligibility to apply for FLTCIP is generally extended to those who are also eligible for the Federal Employees Health Benefits (FEHB) Program, though actual FEHB enrollment is not required for most employees. Annuitants do not need to be FEHB eligible or enrolled. However, it’s important to understand that certain pre-existing medical conditions may affect approval for coverage, and applying is necessary to determine individual eligibility when the program is open for enrollment.
The current suspension of FLTCIP is due to instability in long-term care costs and a challenging insurance market. The Office of Personnel Management (OPM) has determined that these factors make it difficult to offer benefit plans with premiums that accurately and fairly reflect the cost of the benefits, as required by federal regulations. For individuals seeking more detailed information about the FLTCIP, especially when the program is active, resources are available through Long Term Care Partners at 1-800-582-3337 and on their website. Additionally, the LTCFEDS Care Navigator offers support and resources for caregivers and those navigating the complexities of aging and long-term care needs.
