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Guide Me

Federal Employees


Choose a program to begin:


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


Eligible employees and annuitants can choose among 7 nationwide and 5 regional dental plans. Nationwide plans also offer international coverage. Learn More


Eligible employees and annuitants can choose among 5 nationwide vision plans. Nationwide plans also offer international coverage. Learn More


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

Long Term Care

When and how can I make changes to my coverage?

Applications for coverage under the Federal Long Term Care Insurance Program were suspended December 19, 2022.  

The U.S. Office of Personnel Management (OPM) and the FLTCIP administrator, Long Term Care Partners, LLC are conducting an Enrollee Decision Period for current FLTCIP enrollees from September 11 to November 9, 2023.

Long Term Care Partners, LLC, will send a 2023 Enrollee Decision Period package with personalized options to FLTCIP enrollees impacted by a premium rate increase effective January 1, 2024.  The decision period will provide enrollees the opportunity to review their current coverage and make decisions that allow them to accept or mitigate the impact of the premium increase. 

FLTCIP enrollees can learn more at

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