The Federal Long Term Care Insurance Program (FLTCIP), managed by the Office of Personnel Management (OPM), is currently facing a significant suspension impacting federal employees, U.S. Postal Service workers, uniformed service members, retirees, and their families. This suspension, initially set and extended, means that new applications for FLTCIP coverage are not being accepted, and current enrollees cannot apply to increase their coverage. This situation is now extended until December 19, 2026, marking a 24-month continuation of the program’s hiatus, unless OPM provides further notice.
This extension is a result of ongoing instability within the long-term care insurance market. OPM has determined that the fluctuating costs associated with long-term care and a shrinking insurance market are making it difficult to offer benefit plans with premiums that accurately and fairly reflect the cost of providing those benefits. This decision ensures the program remains financially sound for current enrollees amidst these challenges, as mandated by U.S.C. 9003(b)(2).
What is FLTCIP? When active, the FLTCIP is designed to alleviate the financial burden of long-term care services. It provides insurance coverage to help with the costs associated with needing assistance with Activities of Daily Living (ADLs) or due to severe cognitive impairment, such as Alzheimer’s disease. These services can range from care received at home to assisted living facilities or nursing homes.
Who is Eligible When Enrollment Reopens? Typically, a broad range of individuals are eligible to apply for FLTCIP coverage when the program is open. This includes:
- Most Federal and U.S. Postal Service employees and annuitants
- Active and retired members of the uniformed services
- Qualified relatives of the above groups
For most employees, eligibility for the Federal Employees Health Benefits (FEHB) Program is a prerequisite for FLTCIP application, though actual FEHB enrollment is not required. Annuitants do not need to meet FEHB eligibility criteria. It’s important to note that certain pre-existing medical conditions may affect application approval. Applying directly is necessary to determine individual eligibility when the program resumes normal operation.
Staying Informed and Seeking Support: While new enrollments are suspended, it’s crucial for those interested in future coverage to stay updated on program announcements from OPM and LTC Partners.
For further details about the FLTCIP and the current suspension, please reach out to Long Term Care Partners at 1-800-582-3337 or visit the official LTCFEDS website.
Additionally, the LTCFEDS Care Navigator remains a valuable resource. It offers a library of support and information for caregivers and individuals navigating the complexities of aging and long-term care needs. This tool can assist in understanding the levels of support needed and available options as individuals transition through different stages of care requirements.
