The Federal Long Term Care Insurance Program (FLTCIP) is currently suspended, impacting access to long term care insurance for federal employees and their families. This article explains the suspension, its implications, and where to find more information.
Why is the FLTCIP Suspended?
The Office of Personnel Management (OPM) has extended the suspension of new enrollments and coverage increases for the FLTCIP through December 19, 2026. This decision stems from significant volatility in long term care costs and a shrinking insurance market. These factors make it challenging to offer benefit packages with premiums that accurately and fairly reflect the true cost of care, as mandated by 5 U.S.C. 9003(b)(2).
What is Long Term Care Insurance?
Long term care insurance helps cover the expenses associated with assistance in daily living activities or severe cognitive impairment, such as Alzheimer’s disease. This type of care can be costly, and insurance can help mitigate the financial burden on individuals and families. The FLTCIP was designed to provide this crucial safety net for eligible federal employees and their relatives.
Who is Eligible for FLTCIP?
When the program is open, eligibility generally extends to:
- Federal and U.S. Postal Service employees and annuitants
- Active and retired members of the uniformed services
- Qualified relatives of eligible employees and service members
For employees, eligibility for the Federal Employees Health Benefits (FEHB) program is typically required to apply for FLTCIP coverage. While actual enrollment in FEHB isn’t mandatory, eligibility for the program is key. Annuitants are not required to be eligible for or enrolled in FEHB. Importantly, pre-existing medical conditions may affect an individual’s eligibility for long term care insurance coverage. A formal application process determines final eligibility.
Where to Find More Information
For comprehensive details regarding the FLTCIP suspension and the program itself, contact Long Term Care Partners at 1-800-582-3337 or visit the official website: https://www.ltcfeds.gov/.
The LTCFEDS Care Navigator (https://www.ltcfeds.gov/care-navigator) offers valuable resources and support for caregivers and individuals navigating the complexities of aging and long term care needs. This resource library provides guidance and information to help families make informed decisions as their loved ones require increasing levels of care. It addresses the challenges of transitioning from independence to needing long term support.
