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Long Term Care

Federal Long Term Care Insurance Program (FLTCIP)

Note: The Federal Employees' Group Life Insurance (FEGLI) and the Federal Long Term Care Insurance Program (FLTCIP) are not part of the annual Federal Benefit Open Season.  However, eligible individuals can apply online, or download a FLTCIP application from or speak to a Long Term Care Partners program consultant at 1-800-582-3337.  Outside of an open season, eligible employees can enroll or increase their FEGLI coverage by taking a physical exam or with a Qualifying Life Event.  For more information about the FEGLI physical exam, please see .

The Federal Long Term Care Insurance Program (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.

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.

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.

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