What is the Federal Long Term Care Insurance Program?
The U.S. Office of Personnel Management sponsors a high-quality long-term care insurance program for members of the Federal Family. The Federal Long Term Care Insurance Program (FLTCIP) is the largest group long term care insurance program in the country, probably in the world. Created in 2000 by Federal law (Public Law 106-265, the Long-Term Care Security Act), it is the only long term care insurance program sponsored by the Federal government. What does long term care insurance cover? Long term care insurance pays benefits to cover services that individuals may need because they are unable to care for themselves due to chronic mental or physical conditions. The Program offers a flexible benefits package covering a variety of services, such as: • Nursing home care • Home health care • Assisted living facilities • Adult day care Who is eligible to apply for the FLTCIP? The Long-Term Care Security Act of 2000 makes approximately 20 million people eligible to apply for this insurance. It
