Federal Long-Term Care Insurance Program (FLTCIP):

Federal Benefit Advisory


The Office of Personnel Management (OPM) announced last week it will be suspending applications for coverage under in the Federal Long-Term Care Insurance Program (FLTCIP).

The deadline to apply for the program before a two-year suspension is Dec. 19, but officials want applicants to go in with “eyes wide open” that rates will likely increase substantially. The Suspension of Long-Term Care Insurance expects a sizeable premium increase looms on the horizon.

During the suspension period, no applications for FLTCIP coverage will be accepted, and current enrollees may not apply to increase their coverage,” OPM wrote in a posting in the Federal Register on Nov. 18.

Current enrollees’ coverage status will not change if they continue to pay premium. For those in a claim status, there is no change to coverage or the claims reimbursement process if benefits have not been exhausted.

The suspension period will begin on December 19, 2022, and will remain in effect for 24 months, OPM said.

It is reported that the program was halted when the insurance carrier that operates the program, issued a warning to OPM that current premiums are unsustainable and it likely would have to request significant rate increases.

The cancellation and premium increase for the Federal Employee LONG TERM CARE INSURANCE PROGRAM, may cause concern, especially if you have a medical or anticipated condition, or if you are simply prudent but find yourself priced out, please reach out to me. The loss of long-term care does not mean loss of protection, even if illness or medical condition may prevent your obtaining any traditional long term care insurance.  Open to federal employees, their families to include aged grandparents are plans that can help. 

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