Important notice about premiums:
FLTCIP enrollees with the automatic compound inflation option (ACIO)
The Federal Long Term Care Insurance Program (FLTCIP) held the 2023 Enrollee Decision Period from September to November 2023, providing FLTCIP enrollees personalized options to help mitigate the impact of a premium rate increase, effective January 1, 2024. Impacted enrollees with ACIO for inflation protection had the option to pay their premium increase in three phases. The second phase of the premium increase is effective January 1, 2025. We mailed a letter in early December notifying those who are affected. Log into your My LTCFEDS account for more information >
Latest highlights
About FLTCIP Premiums
Long term care insurance is a complex, experience-based product. Because of this, assumptions are made about many factors at the time premiums are established. Learn how FLTCIP premiums are managed and invested and what factors lead to possible premium increases.
FLTCIP Claimants
Submitting a FLTCIP claim is now easier than ever. To improve your benefits experience, we developed a new Claims dashboard. Log into your MY LTCFEDS account to start submitting your reimbursement requests for claims online.
Online Account Security
We strengthened the security of your personal information by increasing authentication when accessing your MY LTCFEDS account. This is a common security practice referred to as "two-factor" or "multi-factor authentication."
Cost of Care
Use our Cost of Care Tool to find the average cost of home health care services, assisted living facilities, and nursing homes in your area.
