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Federal Employees
New / Prospective Employees
As a Federal employee, you may be able to enroll in health, dental, vision and life insurance, flexible spending accounts, and apply for long term care insurance. You can find information about each program by clicking on one of the links below. Each section includes common questions to help guide you to the information you need. Learn More
Retirees / Survivors
Welcome to the insurance services website for Federal retirees and their survivors. Here, you will find various resources to help you and your family make informative choices regarding health, dental, vision, life, and long term care insurance. You can find information about each program by clicking on one of the links below. Each section includes common questions to help guide you to the information you need. Learn More
Federal Employees
Welcome Federal employees. Here, you will find various resources to help you and your family make informative choices regarding health, dental, vision, life, long term care, and flexible spending accounts. You can find information about each program by clicking on one of the links below. Each section includes common questions to help guide you to the information you need. Learn More
Benefits Officers
On this site, you will find resources to help you with your day-to-day activities. By clicking on of the program links below, you can find information about the Federal Employees Health Benefits (FEHB) Program, the Federal Employees Dental and Vision Insurance Program (FEDVIP), the Federal Flexible Spending Account Program (FSAFEDS), the Federal Employees' Group Life Insurance (FEGLI) Program, and the Federal Long Term Care Insurance Program (FLTCIP). Learn More
Overview
Choose a program to begin:
Health
As a Federal employee, you may be able to enroll in health, dental, vision and life insurance, flexible spending accounts, and apply for long term care insurance. You can find information about each program by clicking on one of the links below. Each section includes common questions to help guide you to the information you need. Learn More
Dental
Eligible employees and annuitants can choose among 7 nationwide and 5 regional dental plans. Nationwide plans also offer international coverage. Learn More
Vision
Eligible employees and annuitants can choose among 5 nationwide vision plans. Nationwide plans also offer international coverage. Learn More
Life
We offer the largest group life insurance program in the world, covering employees, retirees and family members. Learn More
Flexible Spending Accounts
Eligible employees can choose to enroll in up to three different flexible spending accounts during Open Season. Learn More
Long Term Care
Most Federal and U.S. Postal Service employees and annuitants, active and retired members of the uniformed services, and their qualified relatives are eligible to apply for insurance coverage under the FLTCIP. Learn More
Health
As a Federal employee, you may be able to enroll in health, dental, vision and life insurance, flexible spending accounts, and apply for long term care insurance. You can find information about each program by clicking on one of the links below. Each section includes common questions to help guide you to the information you need.
Choose your question:
- Am I eligible?
- Are my family members covered?
- Can I continue coverage if I leave Federal service?
- Can I continue coverage into retirement?
- Can I continue my coverage if I’m called to Active Military Duty?
- Can my family coverage continue if I die?
- How can I find out what coverage I have?
- How do I enroll?
- How do I find a plan?
- How do I report a death?
- How much do I pay for coverage?
- I don’t agree with the way the plan paid my claim. What can I do?
- I’m not currently enrolled. When can I enroll?
- What benefits are available?
- What if my question isn’t here?
- When and how can I make changes to my coverage?
- When is the next Open Season?
Dental
Eligible employees and annuitants, and certain TRICARE eligible individuals can choose among 7 nationwide and 5 regional dental plans. Nationwide plans include international coverage.
Choose your question:
- Am I eligible?
- Are my family members covered?
- Can I continue coverage if I leave Federal service?
- Can I continue coverage into retirement?
- Can I continue if I’m called to Active Military Duty?
- Can my family continue coverage if I die?
- How can I find out what coverage I have?
- How do I enroll?
- How do I find a plan?
- How do I report a death?
- How much do I pay for coverage?
- I don’t agree with the way the plan paid my claim. What can I do?
- I’m not currently enrolled. When can I enroll?
- What benefits are available?
- What if my question isn’t here?
- When and how can I make changes to my coverage?
- When is the next Open Season?
Vision
Eligible employees and annuitants, and certain TRICARE eligible individuals can choose among 5 nationwide vision plans. Nationwide plans include international coverage.
Choose your question:
- Am I eligible?
- Are my family members covered?
- Can I continue coverage if I leave Federal service?
- Can I continue coverage into retirement?
- Can I continue if I’m called to Active Military Duty?
- Can my family continue coverage if I die?
- How can I find out what coverage I have?
- How do I enroll?
- How do I find a plan?
- How do I report a death?
- How much do I pay for coverage?
- I don’t agree with the way the plan paid my claim. What can I do?
- I’m not currently enrolled. When can I enroll?
- What benefits are available?
- What if my question isn’t here?
- When and how can I make changes to my coverage?
- When is the next Open Season?
Life
We offer the largest group life insurance program in the world, covering employees, retirees and family members.
Choose your question:
- Am I eligible?
- Are my family members covered?
- Can I continue coverage if I leave Federal service?
- Can I continue coverage if I'm called to Active Duty?
- Can I continue coverage into retirement?
- Can my family continue coverage if I die?
- How can I find out what coverage I have?
- How do I enroll?
- How do I find a plan?
- How do I report a death?
- How much do I pay for coverage?
- I don’t agree with the way the plan paid my claim. What can I do?
- I’m not currently enrolled. When can I enroll?
- What benefits are available?
- What if my question isn’t here?
- When and how can I make changes to my coverage?
- When is the next Open Season?
Flexible Spending Accounts
Eligible employees can choose to enroll in up to three different flexible spending accounts during Open Season.
Choose your question:
- Am I eligible?
- Are my family members covered?
- Can I continue coverage if I leave Federal service?
- Can I continue coverage into retirement?
- Can I continue if I’m called to Active Military Duty?
- Can my family continue coverage if I die?
- How can I find out what coverage I have?
- How do I enroll?
- How do I find a plan?
- How do I report a death?
- How much do I pay for coverage?
- I don’t agree with the way the plan paid my claim. What can I do?
- I’m not currently enrolled. When can I enroll?
- What benefits are available to me?
- What if my question isn’t here?
- When and how can I make changes to my coverage?
- When is the next Open Season?
Long Term Care
I don’t agree with the way the plan paid my claim. What can I do?
You or your representative may request a review of a denied claim by sending a written request to Long Term Care Partners no later than 60 days after the date of the denial. No later than 60 days after the date Long Term Care Partners receives your request, they will send you written notice of their decision.
After requesting the review, you may be entitled to an independent third party review of the denial. You can read more information about appeals in the Benefit Booklet you received when you were approved for coverage. You can also create an online account at www.ltcfeds.com (external link) to view your Benefits Booklet and check on your coverage 24/7.
Related Questions
- Am I eligible?
- Are my family members covered?
- Can I continue coverage if I leave Federal service?
- Can I continue coverage into retirement?
- Can I continue if I’m called to Active Military Duty?
- Can my family continue coverage if I die?
- How can I find a plan?
- How can I find out what coverage I have?
- How do I enroll?
- How do I report a death?
- How much do I pay for coverage?
- I don’t agree with the way the plan paid my claim. What can I do?
- I’m not currently enrolled. How do I enroll? When can I enroll?
- What benefits are available?
- What if my question isn’t here?
- When and how can I make changes to my coverage?
- When is the next Open Season?