Long Term Care


Jump to information on the Federal Long Term Care Insurance Plan (FLTCIP).

Long Term Care Insurance

For information about the MOAA-endorsed Individual Long Term Care Insurance Program, click this link or call (800) 698-7943 to speak to a licensed long term care consultant.


Long Term Care Calculator

This calculator can help you determine if you are financially prepared for this impending expense.

More about long-term care:


Federal Long Term Care Insurance Program (FLTCIP)

The Federal Long Term Care Insurance Program stopped accepting new applications as of Dec. 19, 2022. Click here for more information from MOAA (including information on choosing a long term care plan), or visit LTCFeds.com

Nov. 9 Deadline for FLTCIP Enrollees 

While the Federal Long Term Care Insurance Program (FLTCIP) remains closed to new enrollees for at least another year, current enrollees have until Nov. 9, 2023, to decide whether they want to continue or change coverage in the face of a Jan. 1, 2024, premium increase.

Affected plan holders include anyone with FLTCIP 1.0, FLTCIP 2.0, or FLTCIP Alternative Insurance Plan coverage, all of whom began receiving notices regarding the increase in September. Other plan holders will receive a letter indicating their premium will not change. Log into your LTCFEDS account for more details on your coverage.


The amount of premium increase will vary by plan, issue age, and benefit options. Plan holders may have multiple options that could decrease their premiums; those who do not notify the program of plan changes by Nov. 9 will see their premium increase automatically in January.

The Federal Long Term Care Insurance Program is sponsored by the U.S. Office of Personnel Management, insured by John Hancock Life & Health Insurance Company, under a group long-term care insurance policy, and administered by Long Term Care Partners, LLC.