News and Announcements


Uniformed Services Members: Help Protect Your Family with the Federal Long Term Care Insurance Program
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Caregiving: The FLTCIP Offers Support When You Need It Most
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Home for the Holidays
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Personalized Summary

Your Summary

The results of the tools you used appear below. To modify any of these results, click on the title of the tool.

Premiums are based on your age and the premium rates in effect at the time we receive your application. The premiums quoted within the online Premium Calculator are valid for 30 calendar days. If you do not apply within 30 calendar days, or by your next birthday, whichever is sooner, you must recalculate your premium.

Premiums are not guaranteed. Premiums can increase only if you are among a group of enrollees whose premium is determined to be inadequate and both the U.S. Office of Personnel Management and the insurer agree to the rate change.

Cost of Care Tool

You haven't used this tool. To use it now and see the results in your summary, click the title above.

  City, State   Average Costs   Annual Costs  
  Home health care (hourly average)     *
  Assisted living (monthly average)      
  Nursing home (daily average)      

  City , State   Total Costs  
  2 year(s) home health care   *
  1 year(s) assisted living    
  2 year(s) nursing home    
  Total for all LTC services:    

* Home health care estimate is based on 6 hours of care per day and 5 days per week.

This information is a hypothetical illustration of the estimated costs over an extended period of time. The actual premiums may differ.

Self-Funding Tool

You haven't used this tool. To use it now and see the results in your summary, click the title above.

  Your date of birth:   _ _, _
  Your total cost of care in today's dollars:
  Number of year(s) until you need care:
  Total current savings you entered:
  Monthly savings you entered:
  Rate of return you entered:
  Your investment in year(s):
  The cost of care in year(s) with inflation:
  The gap between what you can save and the cost of care:

Premium Calculator

  Benefit Options Plan Option 1 Plan Option 2 Plan Option 3 Plan Option 4
  Your age: 61 61 61  
  Type of plan: Plan B Plan B Plan C  
  Covered services: Comprehensive Comprehensive Comprehensive  
  Benefit amount: $150.00/day $150.00/day $200.00/day  
  Benefit period: 3 years 3 years 3 years  
  Waiting period: 90 days 90 days 90 days  
  Inflation protection: ACI 4% FPO FPO  
  Payment frequency: Monthly Monthly Monthly  
  Premium: $173.35 $79.12 $105.49  
  Maximum lifetime benefit* $164,250 $164,250 $219,000  

* Note: This is a hypothetical illustration. Depending on the inflation protection option you choose, your maximum lifetime benefit will increase either automatically by 4% or 5% compounded interest every year with the automatic compound inflation option or every two years if you accept the future purchase option increase offers. Click here to learn more about the inflation protection options.