Login.gov is coming in early 2026.
The U.S. Office of Personnel Management (OPM) has partnered with Login.gov to offer enhanced online account security to Federal Long Term Care Insurance Program (FLTCIP) enrollees. Login.gov will replace the current login process and credentials that you use to access your My LTCFEDS account. You will re-establish your authentication methods and have even more authentication options to choose from with Login.gov.
Our team is working hard on these changes. We expect to introduce them in early 2026.
What is Login.gov?
Login.gov is a sign-in service that offers secure and private online access to government programs, such as federal benefits, services, and applications. With a Login.gov account, you can sign in to participating government websites with the same email address and password and manage the authentication methods you use to access those websites.
You may already have a Login.gov account associated with other government programs, such as the Social Security Administration's My Social Security, the U.S. Postal Service's Postal Service Health Benefits (PSHB) Program, OPM's Retirement Services Online, Federal Flexible Spending Account Program (FSAFEDS), and more.
Why Login.gov?
Login.gov uses the highest security standards established by top security organizations like the National Institute of Standards and Technology (NIST) to keep your information safe, including two-factor authentication and identity verification. Two-factor authentication (or multi-factor authentication) is an added layer of security to protect your private and sensitive information from hackers and password compromises.
Moving to Login.gov allows OPM to offer the same level of authentication currently available to FLTCIP enrollees and provide additional authentication options, including more secure options.
How can I prepare?
Update your FLTCIP contact information
Log in to your My LTCFEDS account to verify that the email and phone number we have on file for your FLTCIP coverage are up to date. We'll use this information to send you important updates as we transition to Login.gov. It will also be needed to link your accounts once we implement Login.gov.
If you are enrolled in the FLTCIP but don't have a My LTCFEDS account, you must create one to access and verify your contact information online.
Create a Login.gov account
Creating a Login.gov account now helps ensure the email you use for your Login.gov account has been verified, and your authentication methods are set up, so you won't experience any delays trying to access your My LTCFEDS account.
Make sure to use a unique email that you can verify and will always have access to. Login.gov recommends you use a personal email that you control and doesn't allow you to use the same email as another Login.gov user. Your email will be your sign-in ID. You must also create a strong password that has at least 12 characters and does not include common words or phrases, and set up at least one authentication method.
Already have a Login.gov account?
You don't need to create another one. Sign in to Login.gov to make sure you remember your password and have access to the email and authentication methods you previously set up.
Once we move to Login.gov, you'll be prompted to link your Login.gov account to your My LTCFEDS account by providing some identifying information and entering a one-time code sent to your My LTCFEDS email or phone. After that, you'll sign in to your My LTCFEDS account using just your Login.gov credentials.
FAQs
Anyone can create a Login.gov account. You don't need to be a federal employee. Whether you use your Login.gov account will depend on what government websites and applications you interact with and whether they partner with Login.gov for their sign-in.
Once we implement Login.gov as the sign-in for My LTCFEDS, you'll be prompted to link your My LTCFEDS account to your Login.gov account during your first sign-in. After that, you will sign in to your My LTCFEDS account using just your Login.gov credentials.
Visit Login.gov to create an account.
In addition to your password, Login.gov requires that you set up at least one of the following multi-factor authentication methods:
- face or touch unlock
- authentication application
- security key
- text/SMS or phone call
- backup codes
- government employee ID (PIV/CAC)
Visit the Login.gov Help Center and search for "authentication methods" to learn more.
If you already have a Login.gov account, you don't need to create a second one. Once we move to Login.gov, when you first sign in on our site, you'll be prompted to link your Login.gov account to your My LTCFEDS account by providing some identifying information and entering a one-time code sent to your My LTCFEDS email or phone. After that, you'll just use your existing Login.gov email, password, and two-factor authentication method to sign in to your My LTCFEDS account.
Login.gov recommends you use a personal email that you control, rather than a work email. If you leave your job, you'll no longer have access to your work email. Without access to that email, it will be much harder for Login.gov to verify who you are if you ever need to reset your password. You also can't use an email you share with someone else.
Once your account is created, you can add additional emails, such as a work email or an alternate personal email, to access your account.
Visit the Login.gov Help Center and search for "email" to find instructions on how to add or update emails associated with your account.
Your password must have 12 or more characters and should avoid combinations such as:
- common phrases or repeated characters, like ABC or 111
- parts of your email address or personal dates, like your birthday
- the same password, or parts of it, that you use for other accounts, such as your bank account or email
To help prevent identity theft, Login.gov recommends strengthening your password by using:
- unique phrases that only you recognize
- multiple words with spaces to get to 12 characters
- numbers and special characters
No. Each person must set up their own Login.gov account, with their own personal email (not an email that you share with someone else).
Login.gov can help you resolve issues related to your Login.gov account. For example, you should contact Login.gov if you have questions about creating or deleting an account, your password, or your two-factor authentication method. We're unable to answer questions about Login.gov.
Visit the Login.gov Help Center to learn more.
Current FLTCIP enrollees may create a My LTCFEDS account and:
- view your FLTCIP plan and coverage information
- view your personal information
- view and edit your address and contact information
- view and edit your protection against unintended lapse (PAUL) information
- view your claim information and submit invoices (if you are currently in claim)
- update beneficiary information (if you have a FLTCIP 3.0 plan)
Log in to or create your My LTCFEDS account.
If you set up a My BENEFEDS account to access your FLTCIP premium payment history, Federal Flexible Spending Account Program (FSAFEDS) allotment history, or Federal Employees Dental and Vision Insurance Program (FEDVIP) enrollment, BENEFEDS.gov is also moving to Login.gov. This means you'll be able to use your same Login.gov credentials to access both accounts.