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Federal HR Policies Affecting Schedule A Appointment

Long Term Care Insurance


The Office of Personnel Management has awarded the Federal Long Term Care Insurance Program (FLTCIP) contract to John Hancock Life & Health Insurance Company and administered by Long Term Care Partners, LLC.

The FLTCIP is totally separate and independent. Eligibility to apply for this insurance will not be tied to enrollment in the Federal Employees' Group Life Insurance Program, the Federal Employees Health Benefits Program, TRICARE or any other program.


OPM's Website - http://www.opm.gov/insure/ltc/index.asp
LTC's Website - www.ltcfeds.com
1-800-LTC-FEDS (1-800-582-3337)

Cost and Eligibility

There is no Government contribution for long term care insurance. Participants pay 100% of the cost.

All former CES Federal appointees are eligible to apply for Federal Long Term Care Insurance. In addition all Federal employees, annuitants, spouses of Federal employees and annuitants, adult children (at least 18 years old, including adopted children and stepchildren) of employees and annuitants, parents, parents-in-law, and step-parents of employees (but not of annuitants), and members and retired members of the Uniformed Services

Plan Benefits

The FLTCIP will offer a flexible benefits package that pays benefits toward a variety of services, including but not limited to:

  • nursing home care
  • home care and home health
  • care assisted living facilities
  • adult day care
  • respite care when the primary care giver needs a rest
  • bed reservations

Federal long term care insurance is fully portable. If the covered employee leaves the Federal or Uniformed Service, or divorces their spouse who is the Federal employee, the covered member continue to be covered by the policy at the same premium as long as the premiums are paid.


For questions and additional information regarding the Federal Long Term Care Insurance Program and benefits contact the LTC website or call the LTC toll free number.

Back to CES HR Guidance Index