During Federal Long Term Care Insurance Program (FLTCIP) Open Season, actively at work federal and U.S. Postal Service® employees (civilian workforce members) and their spouses/same-sex domestic partners, and active members of the uniformed services and their spouses who are not currently enrolled in the FLTCIP, are eligible to apply for coverage with abbreviated underwriting (applicants answer fewer health questions).
While the FLTCIP accepts applications from eligible individuals throughout the year, the 2011 FLTCIP Open Season offers more people the opportunity to apply with abbreviated underwriting, with a high approval rate. Applying could not be easier — you can do it online or over the phone, or use a paper application.
Open Season ends on June 24, 2011. Take advantage of this important opportunity and learn more about the FLTCIP today. Visit www.LTCFEDS.com to learn more or apply online. Or call us at 800-LTC-FEDS (800-582-3337) TTY 800-843-3557. Certified Long Term Care Consultants are ready to answer your questions, discuss your particular situation and your coverage options, and even help you apply.
About Long Term Care
Long term care is ongoing assistance with some of the most basic activities of daily living such as eating, bathing, dressing, or getting in and out of bed or a chair. The need most often stems from disability, chronic illness, or cognitive impairment (such as Alzheimer’s disease) and is more common than you might think. In fact, 70 percent of people over age 65 require some long term care in their lifetime.1 But the need can also arise at any time and at any age due to an accident or unexpected illness.
Most health insurance programs, including the FEHB Program, Medicare, TRICARE, and TRICARE For Life, provide little or no coverage for long term care. And long term care services can be very expensive.
For eligible members of the federal family, FLTCIP is a solution designed to help meet these needs, securing your future by offering financial protection, important stay-at-home benefits, and professional support every step of the way.
About the Federal Long Term Care Insurance Program
The FLTCIP was established by an act of Congress in 2000 and was designed to meet the specific needs of the federal family. The FLTCIP provides industry-leading benefits and offers flexible options that allow enrollees to tailor coverage to meet their needs.
The FLTCIP is administered by Long Term Care Partners and underwritten by John Hancock Life & Health Insurance Company under a contract with the U.S. Office of Personnel Management (OPM).
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 are eligible for this coverage.
— Compensation and Benefits,
Human Resources, 5-19-11
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