LONG TERM CARE
The Federal Long Term Care Insurance Program (FLTCIP)
If you cannot perform everyday tasks such as eating, dressing, and bathing because of a chronic illness, injury,
disability, or aging,
FLTCIP can help you pay for the assistance you need.
Who can apply for coverage?
Why would
someone need
long term care?
Where would
someone
receive care?
Cost without
long term care
insurance
Most Federal employees
(check with your human resources
office if you are unsure of your eligibility),
Annuitants regardless of FEHB
eligibility
,
And their qualifying relatives,
including:
• Spouse
• Domestic partner
• Adult children
• Parents and parents-in-law
(of employees only)
• Car accident
• Sports accident
•
Disabling injury
• Alzheimer’s
• Stroke
• Multiple sclerosis
• Parkinson’s
• Other disabling
condition
• Old age
Home
Assisted living
facility
Nursing home
$32,000/year
$47,000/year
$91,000/year
*Nat’l averages,
John Hancock
2016 Cost of
Care Survey
How much
coverage
should I get?
How much
does it cost?
How do I get coverage under the Federal Long Term
Care Insurance Program (FLTCIP)
?
Use the Cost of
Care In Your
Area tool at
LTCfeds.com
Consider how
much of your
own savings you
can spend on
long term care
Premiums are based
on your age when
you apply
Premiums are
not guaranteed
and may change
in the future
Use the Calculate
Premiums tool
at LTCfeds.com
You must apply, answer health questions, and be
approved for enrollment. Your qualified relative can apply
even if you do not
• First 60 days as newly eligible employee
(fewer questions - employee & spouse only)
• First 60 days after employee’s marriage
(fewer questions - spouse only)
• Long term care open season
(fewer questions - infrequent)
• Anytime
(more questions - all eligible individuals)
MORE INFO: www.LTCfeds.com
For complete information, including terms and conditions, please visit www.LTCfeds.com.
U.S. OFFICE OF PERSONNEL MANAGEMENT
