Federal Long Term Care Insurance Program (FLTCIP)

U.S. Office of Personnel Management in Healthcare
December 19, 2018


The Federal Long Term Care Insurance Program (FLTCIP) provides long term care insurance to help pay for the costs of care you need if you can no longer perform everyday tasks (activities of daily living) by yourself due to a chronic illness, injury, disability or the aging process. FLTCIP includes the supervision you might need due to a severe cognitive impairment (such as Alzheimer's disease).

Long term care is not 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.


Federal Long Term Care Insurance Program (FLTCIP) is administered by U.S. Office of Personnel Management.

Program Requirements:

Many members of the Federal family are eligible to apply for coverage under the FLTCIP including Federal and U.S. Postal Service employees and annuitants, active and retired members of the uniformed services, and their qualified relatives. To see if you are eligible to apply for coverage, please visit the FLTCIP eligibility page.

Application Details

To learn about the application process, please visit the Applications for the Federal Long Term Care Insurance Program page.



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