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Federal Long-Term Care Insurance Program (FLTCIP)
Federal Long Term Care Insurance Program (FLTCIP)
The Office of Personnel Management has partnered with John Hancock Life & Health Insurance Company to provide long term care insurance with affordable group premiums and comprehensive benefits. Long term care insurance provides reimbursement for costs of care when you are unable to perform at least two activities of daily living (eating, dressing, bathing, etc.) for an expected period of at least 90 days, or when you need constant supervision due to a severe cognitive impairment. Federal Employees Health Benefits plans do not cover the cost of long term care. While Medicare covers some care in nursing homes and at home, it does so only for a limited time, subject to restrictions. There is no Government contribution to FLTCIP premiums. You are eligible to apply for FLTCIP at anytime. 


Types of Services:

Nursing home care
Assisted Living facility care
Home care (both formal and informal)
Adult day care
Hospice Care (either at home or at hospice care facility)
Respite Services
Bed reservations (holds up to 60 days)
Care coordination and caregiver training

Cost of Services:

Premiums are based on your age and the options that you select.


Most employees, family members of employees, and annuitants are eligible.

It is not necessary to be enrolled in FEHB to be covered under Long Term Care Insurance; however, you must occupy a position that is eligible for enrollment in FEHB.

Abbreviated v. Full Underwriting Procedures:

Individuals must be in a pay status to apply. Long Term Care coverage may be denied.

Abbreviated Underwriting

  • Few health related questions which are designed to determine who may be immediately eligible for benefits or eligible within a short period of time

Full Underwriting:

  • Numerous health related questions and may also include a review of medical records and/or an interview with a nurse


New, Newly Eligible, or returning Federal Civilian employees (and spouses) use abbreviated application when one of the following events occur:

  • 60 days upon entering position that conveys eligibility
  • 60 days upon entering a position that conveys eligibility from a previous position that did not
  • 60 days after a break in service of 180 days or more


  • New Spouses have 60 days from the date of marriage to enroll using the abbreviated underwriting
  • Other qualified relatives can apply at anytime using the full underwriting application

Changes in Coverage

Individuals enrolled in LTC may increase coverage at any time using the full underwriting application.

Individuals may decrease or cancel coverage at anytime.

  • There is no refund of premiums other than payments received in advance following the effective date of the cancellation

Individuals must notify LTC Partners at prior to transferring federal agencies or retiring.

Coverage is fully portable even if enrollee separates from Federal Service.

OPM’s Long Term Care Website  
DON’s Long Term Care Website  
FLTCIP Abbreviated Underwriting  
FLTCIP Full Underwriting  
FLTCIP Premiums Calculator  
FLTCIP Login   
FLTCIP Contact Information

Phone: 1-800-582-3337

TTY Phone: 1-800-843-3557

(See REFERENCES below for login information)