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FLTCIP Features

U.S. Office of Personnel Management

Consultative Services

You have access to experienced and knowledgeable Certified Long Term Care Insurance Consultants (who do not work on commission) who can help guide decision-making, compare plans, provide personalized rate quotes, and assist in completing an application for coverage.


Informal Care


Unlike many other plans, the FLTCIP’s Comprehensive Plan covers care provided in the home by friends, family members, and other non-licensed caregivers who didn’t normally live in your home at the time you became eligible for benefits. When informal care is provided by family members, it is covered for up to 365 days in your lifetime.


Care Coordination Services


Long Term Care Coordinators (all registered nurses) can arrange for discounted services, monitor the care you’re receiving, and assist with altering your Plan of Care as your needs change. Access to Care Coordination Services is available not only to enrollees but to their qualified relatives as well.


Alternate Plan of Care


Under certain circumstances, Long Term Care Coordinators can authorize benefits for services that are not specifically covered under this Program (for example, making your home wheelchair accessible).


Competitive Group Rates


Thanks to negotiations on your behalf by OPM, the FLTCIP has competitive group rates.


Waiver of Premium


You do not pay premiums while you are receiving benefits.


Guaranteed Renewable


Once you are enrolled, your coverage will not be cancelled as long as you pay your premiums on time. Coverage cannot be canceled due to your age or a change in your health. Your premium can only be changed with OPM’s approval and only on a group, not an individual, basis.


International Benefits


This Program provides coverage for enrollees who may require care in a country outside the U.S.

This Program is medically underwritten, which means that you will have to answer questions about your health on your application. Certain medical conditions, or combinations of conditions, will prevent some people from being approved for coverage. You need to apply to find out if you qualify for coverage under this Program.


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