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Long Term Care

Jump to information on the Federal Long Term Care Insurance Plan (FLTCIP).

 

Long Term Care Insurance

For information about the MOAA-endorsed Individual Long Term Care Insurance Plan, visit www.moaainsurance.com and click on the link in the Long Term Care Availability box, or call (800) 698-7943 to speak to a licensed long term care consultant.

 

 

Long Term Care Calculator

This calculator can help you determine if you are financially prepared for this impending expense.

 

More about long-term care:

 

Federal Long Term Care Insurance Program (FLTCIP)

Long term care is care that you need if you can no longer perform everyday tasks (eating, dressing, bathing, etc.) by yourself due to a chronic illness, injury, disability or the aging process.

Long term care isn't intended to cure you. It is chronic care that you might need for the rest of your life. This care can span years and can be expensive depending on the type of care you need and location where that care is received. Long term care insurance is one way of helping to pay for these expenses.

Visit the FLTCIP website for more information on the basics to long term care.

Eligibility

Many members of the Federal family are eligible to apply for coverage under the Federal Long Term Care Insurance Program (FLTCIP) including Federal and U.S. Postal Service employees and annuitants, active and retired members of the uniformed services, and qualified relatives. Check the lists below to see if you are eligible to apply for coverage:

Employees

  • Federal employees in positions that convey eligibility for the Federal Employees Health Benefits (FEHB) Program (whether or not they are actually enrolled)
  • U.S. Postal Service (USPS) employees in positions that convey eligibility for the FEHB Program (whether or not they are actually enrolled)
  • Active members of the uniformed services who are on active duty or full-time National Guard duty for more than 30 days, including:
    • Active members of the Selected Reserve (members of the Individual Ready Reserve are not eligible to apply)
  • Other eligible employees:
    • Tennessee Valley Authority employees (even though they may not be eligible for FEHB coverage)
    • D.C. Government employees who were first employed by the D.C. Government before October 1, 1987
    • D.C. Courts employees
    • Navy Personnel Command (BUPERS) employees
    • Nonappropriated Fund (NAF) employees

 

Annuitants

  • Federal or USPS annuitants
  • Retired members of the uniformed services who are entitled to retired or retainer pay, including:
    • Retired grey reservists, even if they are not yet receiving their retired pay
  • Other eligible annuitants:
    • Deferred annuitants
    • Separated employees with title to a deferred annuity, even if they are not yet receiving that annuity
    • Tennessee Valley Authority annuitants
    • Compensationers receiving compensation from the U.S. Department of Labor
    • D.C. Government annuitants who were first employed by the D.C. Government before October 1, 1987
    • D.C. Courts annuitants
    • BUPERS annuitants
    • NAF annuitants
    • Surviving spouses receiving a survivor annuity*

*If you are a surviving spouse receiving a survivor annuity, your current spouse and adult children are considered qualified relatives and eligible to apply.

Qualified Relatives

  • Current spouses of eligible employees
  • Current spouses of eligible annuitants (but not former spouses, even if they are receiving an apportionment of annuity)
  • Parents, parents-in-law, and stepparents of living eligible employees (parents, parents-in-law, and stepparents of annuitants are not eligible)
  • Adult children (at least 18 years old, including adopted and stepchildren) of living eligible employees and annuitants
  • Same-sex domestic partners** of Federal or USPS employees and annuitants (but not of active or retired members of the uniformed services)

 

**A Declaration of Domestic Partnership form must be submitted to the employee's agency or annuitant's retirement system before you apply. Visit the Domestic Partners section of our website for more information.

Potential Costs

For plans and potential costs please visit the FLTCIP Web site.

Additional Information

Visit the Federal Long Term Care Web site for more information, or call (800) LTC-FEDS (582-3337).