How do I apply for FLTCIP?

Call us at 1-800-LTC-FEDS (1-800-582-3337) TTY 1-800-843-3557 or visit LTCFEDS.com/downloads to download the application. Each eligible individual wishing to apply for coverage must complete a separate application. People buy long term care insurance for many reasons.

Is FLTCIP a good deal?

Because the FLTCIP has one pricing schedule based solely on age, it presents a very good value to most women, who tend to have higher LTC costs and therefore typically face higher premiums offered by independent insurance carriers.

Who is eligible for FLTCIP?

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.

How do you qualify for benefits under the ADL trigger?

A person qualifies for benefits when they are unable to perform two or three ADLs, depending on the long-term care insurance policy. Make sure bathing and dressing are included on the list of ADL benefit triggers because these are usually the two that a person can’t do.

Are spouses eligible for FLTCIP?

Individuals Eligible to Apply for FLTCIP at Anytime Are: Current and surviving spouses of employees and retirees (civilian and military) Same-sex and opposite-sex domestic partners of employees and retirees (civilian and military)

Does Federal long-term care insurance cover my spouse?

Newly hired eligible employees, newly eligible employees and their spouses, and newly married spouses of eligible employees can apply for long term care insurance using the abbreviated underwriting application (fewer questions about health) within 60 days of becoming eligible.

What are the 6 activities of daily living?

The six ADLs are generally recognized as:

• Bathing. The ability to clean oneself and perform grooming activities like shaving and brushing teeth.
• Dressing. The ability to get dressed by oneself without struggling with buttons and zippers.
• Eating. The ability to feed oneself.
• Transferring.
• Toileting.
• Continence.

How many ADLs trigger LTC?

Most policies pay benefits when you need help with two or more of six ADLs or when you have a cognitive impairment. Once you have been assessed, your care manager from the insurance company will approve a Plan of Care that outlines the benefits for which you are eligible.

Does Federal long term care insurance cover my spouse?

Who underwrites the federal long term care insurance program?

The Federal Long Term Care Insurance Program is available to federal employees, their relatives, and domestic partners. The policies are underwritten by John Hancock Life & Health Insurance Company. Both pre-packaged and customized plans and benefit levels are available. View Top 10 List

What is the fltcip program?

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.

Where can I find more information about the fltcip?

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

Who is eligible to apply for fltcip?

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.

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