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Federal Long Term Care Insurance Program(FLTCIP) update

October 31, 2023

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The Office of Personnel Management has extended the Federal Long Term Care Insurance Program (FLTCIP) contract with the John Hancock Life and Health Insurance Co. for seven years.

Under the new contract, a rate increase will be needed for many current enrollees because the current FLTCIP premiums are not sufficient to meet the program’s future projected obligations.

Each affected enrollee will receive a package that will include an introductory letter, a return envelope, an informational brochure and a benefit options worksheet with detailed information about the enrollee’s current coverage and options to change coverage.

These packages were mailed in mid-September.

The deadline for enrollees to submit a selection is Nov. 9. If FLTCIP does not receive a selection by this date, the enrollee’s premium will increase, and he or she will maintain their current coverage with any applicable inflation increases.

Most enrollees will be provided with an option to reduce certain components of their coverage to help keep their premium at or near its current level.

The decision period is for affected FLTCIP enrollees only. This is is not a general open season because in December, the Office of Personnel Management suspended new applications for FLTCIP coverage for two years.

Enrollees can also visit LTCFEDS.com to log into or create an account, review their personalized options and make a selection online.

For more information, enrollees can call the LTCFEDS customer service center at 800-LTC-FEDS (800-582-3337) or TTY 800-843-3557.

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