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Ensure Mom Has the Care She Needs
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Alzheimer's Disease: Planning for an Unknown Future
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Caregiving Presents Workplace Challenges
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Long term care is not just for the elderly! Think you're too young?

Nearly 41% of long term care is provided to people under age 65."

- Georgetown University Long-Term
Care Financing Project,
Long-Term Care Financing:
Policy Options for the Future,
June 2007.


Frequently Asked Questions

Frequently Asked Questions

Below are categories of common questions about the Federal Long Term Care Insurance Program (FLTCIP). The entire website, including these questions and answers were developed in conjunction with and approved by the U.S. Office of Personnel Management (OPM). Click on a topic to view the questions and answers for that topic. For questions about technical or website issues, please see the technical help section.


Apply today

Apply Today!

Federal family members can apply for coverage anytime—you do not have to wait for the next open season. Premiums are based on your age and the premium rates in effect at the time we receive your application—the younger you are when you apply, the lower your premium will be.

apply now