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Face Your Future with Confidence Knowing You've Planned Ahead to Protect It
While the thought of needing long term care may be far from your mind today, circumstances can change. With people living longer, the chances of you or an aging relative requiring this type of care increases, which may bring added responsibility for you and your family. That’s why it’s a good idea to have a long-range care plan in place.
Long term care is personal care and other related services provided on an extended basis to people who need help with specific everyday activities (called activities of daily living) or who need supervision due to a severe cognitive impairment, such as Alzheimer’s disease. The need for long term care can strike at any time in life due to chronic illness, injury, disability, or the aging process. What’s more, long term care can be expensive, and is generally not covered by traditional health insurance plans or Medicare.
No matter where you are in your career, consider the prospect of needing long term care insurance coverage under the Federal Long Term Care Insurance Program (FLTCIP). With benefits designed specifically for the federal family, the FLTCIP can help protect your savings and assets in the event you or your loved ones ever need long term care. Of the 268,000 federal family members enrolled in the FLTCIP, more than 50% started their coverage before age 55.
Coverage under the FLTCIP
The FLTCIP is designed to reimburse for qualified long term care services and can lessen or eliminate an individual's reliance on a loved one to provide hands-on care. As you assess the FLTCIP’s value, consider these important benefits:
Plan ahead today
Visit LTCFEDS.com/facemyfuture to learn more about the benefits of applying for the FLTCIP. Generally, the younger you are when you apply, the lower your premium on your coverage effective date. Plus, as part of your federal benefits, your qualified relatives are eligible to apply for FLTCIP coverage, even if you don’t.
For personalized assistance, call 1-800-LTC-FEDS (1-800-582-3337) TTY 1-800-843-3557 to speak with a program consultant. They are available to answer any questions you may have and can walk you step-by-step through the plan design and application process.
Note: Certain medical conditions, or combinations of conditions, will prevent some people from being approved for coverage. You need to apply to find out if you qualify for coverage under the FLTCIP.
More about the FLTCIP
The FLTCIP is sponsored by the U.S. Office of Personnel Management, insured by John Hancock Life & Health Insurance Company, and administered by Long Term Care Partners, LLC.