Author: Andrea Miller
Reviewed By: Gene Altaffer

Federal long-term care insurance extends to assisted living. However, coverage currently only extends to current members of the Federal Long-Term Care Insurance Program, or FLTCIP. The Office of Personnel Management suspended new applications for coverage in December 2022. 

What does federal long-term care insurance cover?

Federal long-term care insurance covers 100% of the cost of assisted living care up to the daily benefit amount established in your policy. You select your daily benefit amount when you purchase your FLTCIP coverage, and it appears on your Schedule of Benefits.

Who qualifies for the Federal Long-Term Care Insurance Program?

Uniformed military members, civilians who work for the federal government and some family members qualify for the FLTCIP. More than 260,000 people receive benefits through this plan, but it’s not currently open to new applicants.

When do assisted living benefits start if you have federal LTC insurance?

Assisted living benefits start when you become unable to perform at least two activities of daily living, as certified by your health care provider. A FLTCIP care coordinator must approve the care plan created by the care team at your selected assisted living facility.

If you think you or a loved one who has FLTCIP qualifies for assisted living benefits, start the claims process by downloading and completing the Claims Initiation Form, IRS W-9, Medical Release and Authorization for Disclosure of Information. Mail these forms to Long Term Care Partners, LLC, P.O. Box 797, Greenland, NH 03840-0797. The program also accepts faxed applications at (866) 513-2674 and emailed claims at claimsinfo@ltcpartners.com.