Federal Long Term Care Insurance Program (FLTCIP)
Federal Long Term Care Insurance Program (FLTCIP)
Federal Long Term Care Insurance (FLTCIP) can best be described as health care services assisting persons of any age with their medical needs or activities of daily living (bathing, dressing, eating, continence, toileting, or transferring) over an extended period of time.
As we live longer, the need for federal long term care insurance has become more prevalent. Many times, due to simply aging and the fact that health conditions may deteriorate in our elderly years, we may find ourselves in need of assistance. But one must also consider an extended illness, which can happen at any time during our lives, due to accidental injuries or a multitude of chronic conditions such as cancer, a disabling stroke, etc., causing us to lose our ability to perform normal day-to-day functions over a long period.
The Federal Long Term Care Insurance Program (FLTCIP) is sponsored and regulated by the U.S. Office of Personnel Management (OPM) and supported by the strength and stability of John Hancock Life & Health Insurance Company (John Hancock). The program was established in 2002 as a result of an act of Congress, the Long-Term Care Security Act of 2000 (Public Law 106-265). OPM has worked closely with John Hancock to ensure the insurance coverage under this program offers the kind of benefits and features that are most valuable to members of the federal family.
Alford Benefits is an agency working in partnership with The Benefit Coordinators, a federally approved organization with permission to conduct seminars on behalf of FLTCIP.
Choice of care
Friends & family caregivers
International benefits
Care received outside of the United States is covered up to 100% of your daily benefit amount.
Alternate plan of care
Stay-at-home benefit
- NLong-Term Disability fulfills a special need not addressed by Short-Term Disability policies.
- NAbout 110 million Americans do not have long term disability insurance.
- NAlternate life programs, in many cases, can be less expensive for a 42 year old or older employee.
Popular Questions
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What is the Federal Long Term Care Insurance Program?
The Federal Long Term Care Insurance Program (FLTCIP) is a program which provides long term care insurance. This coverage can help to help pay for costs of care when those enrolled need help with activities they perform every day. Also covered is severe cognitive impairment, such as Alzheimer’s disease.
Can federal employees apply for disability?
Yes, a federal employee with at least 18 months of service can file for a disability retirement.
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Does the federal government have short term disability?
No, the government does not provide a short-term policy for its employees. However, you may apply for Short-Term Disability via Alford Benefits.
Can federal employees file for state disability?
No.
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