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May Human Resources Advisor Volume 2, Issue 5

Federal Long Term Care Insurance

General Overview

The Federal Long Term Care Insurance Program (FLTCIP), a benefit authorized by Congress in September 2000 to help federal employees, including military, defray the rising costs of long term care, helps pay for services such as home care, nursing home care, or assisted living facilities for people no longer able to perform the normal daily activities of living because of chronic mental or physical conditions.

LTC Partners is an organization formed by John Hancock Life Insurance Company and Metropolitan Life Insurance Company to administer the FLTCIP which includes education, underwriting, care coordination, claims and account management.

Federal civilian employees are eligible to apply for FLTCIP coverage if you are in a position that conveys eligibility for the Federal Employees' Health Benefits Program (FEHB). You do not need to be enrolled in the FEHB program, just eligible to enroll.

Premiums for long-term care insurance are based on age when the application is received and the benefits chosen.

To apply for the program, you must request an Open Season Information Kit and Application directly from the LTC Partners by calling (800) LTC-FEDS or (800) 582-3337 or TDD call (800) 843-3557 or you may request a Kit online at The Federal Long Term Care Insurance Program.

You are encouraged to take the time to educate yourself on this insurance program. According to published statistics, more than 40% of people needing long-term care are between the ages of 18 and 64.

To obtain more information on the program, you must contact the operators of the program directly by calling the LTC Partners at (800) LTC-FEDS or (800) 582-3337 or TDD call (800) 843-3557 or you may obtain information online at The Federal Long Term Care Insurance Program. To obtain information regarding eligibility based upon eligibility to enroll in FEHB only, contact the DoDEA Headquarters Benefits Unit, your Human Resources Representative (PCR) or Site Manager.