Federal Long Term Care Insurance Program (FLTCIP)

OPM is extending the current suspension for coverage in FLTCIP to be effective on December 19, 2024, extending the current suspension expiring on that date. The suspension will remain in effect for 24 months, unless OPM issues a subsequent notice to end or extend the extension period. Individuals not currently enrolled may not apply for coverage, and current enrollees may not apply to increase their coverage during the suspension period.

 OPM has determined that this extension of the FLTCIP suspension of applications for coverage is in the best interest of the Program due to ongoing volatility in long term care costs and a diminished insurance market, which are undermining the ability to establish benefit offerings with premium rates that reasonably and equitably reflect the cost of the benefits provided, as required under 5 U.S.C. 9003(b)(2).

 FLTCIP provides long term care insurance to help pay for costs of care when enrollees need help with activities they perform every day, or you have a severe cognitive impairment, such as Alzheimer's disease.

When the program is not suspended, 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.

When the program is not suspended, most employees must be eligible for the FEHB Program in order to apply for coverage under the FLTCIP. It does not matter if they are actually enrolled in FEHB - eligibility is the key. Annuitants do not have to be eligible or enrolled in the FEHB Program. Certain medical conditions, or combinations of conditions, will prevent some people from being approved for coverage. You must apply to find out if you are eligible to enroll.

For more information about the FLTCIP, please contact Long Term Care Partners at 1 800-582-3337, or visit the website.