Long Term Care (FLTCIP) | U.S. Customs and Border Protection

<!DOCTYPE html> <html lang="en" dir="ltr" prefix="og: https://ogp.me/ns#"> <head> <meta charset="utf-8" /> <meta name="description" content="The Federal Long Term Care Insurance Program (FLTCIP) provides long term care to individuals who qualify. Long term care is care that you need if you can no longer perform everyday tasks (activities of living) by yourself due to chronic illness, disability or the aging process. It also includes supervision you may need due to severe cognitive impairment (e.g. Alzheimer's disease)." /> <link rel="canonical" href="https://www.cbp.gov/employee-resources/benefits/long-term-care" /> <meta property="og:site_name" content="U.S. Customs and Border Protection" /> <meta property="og:type" content="website" /> <meta property="og:url" content="https://www.cbp.gov/employee-resources/benefits/long-term-care" /> <meta property="og:title" content="Long Term Care (FLTCIP)" /> <meta property="og:description" content="Securing America's Borders" /> <meta property="og:image:url" content="https://www.cbp.gov/sites/default/files/cbp-seal-1200-630-px-2021.jpg" /> <meta name="twitter:card" content="summary" /> <meta name="twitter:title" content="Long Term Care (FLTCIP)" /> <meta name="twitter:description" content="The Federal Long Term Care Insurance Program (FLTCIP) provides long term care to individuals who qualify. Long term care is care that you need if you can no longer perform everyday tasks (activities of living) by yourself due to chronic illness, disability or the aging process. It also includes supervision you may need due to severe cognitive impairment (e.g. Alzheimer's disease)." /> <meta name="twitter:site" content="@CBP" /> <meta name="twitter:image" content="https://www.cbp.gov/sites/default/files/cbp-seal-vertical-blue_twitter-card_600.jpg" /> <meta name="google-site-verification" content="2YIpZhel4umHnM6D_mBcqzchvla5U2ukzZoAI3SO2xI" /> <meta name="Generator" content="Drupal 10 (https://www.drupal.org)" /> <meta name="MobileOptimized" content="width" /> <meta name="HandheldFriendly" content="true" /> <meta name="viewport" content="width=device-width, initial-scale=1.0" /> <link rel="alternate" hreflang="en" href="https://www.cbp.gov/employee-resources/benefits/long-term-care" /> <title>Long Term Care (FLTCIP) | U.S. Customs and Border Protection</title> <link rel="stylesheet" media="all" 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href="/trade/ace/whats-new-innovation"> <span>Innovation</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/ace-pga"> <span>PGA Integration</span> </a> </li> </ul> </div> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/trade/stakeholder-engagement" class="usa-nav__link"> <span><strong>Stakeholder Engagement</strong></span> </a> </div> <ul id="basic-nav-section-Stakeholder-Engagement-3" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/trade/stakeholder-engagement/trade-relations"> <span>Office of Trade Relations</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/trade/stakeholder-engagement/coac"> <span>Commercial Customs Operations Advisory Committee (COAC)</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/trade/stakeholder-engagement/trade-facilitation-and-cargo-security-summit"> <span>Trade Facilitation and Cargo Security (TFCS) Summit </span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/trade/stakeholder-engagement/webinars"> <span>Trade Outreach Webinars</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/trade/stakeholder-engagement/small-business-regulatory-enforcement-fairness-act-sbrefa"> <span>Small Business Regulatory Enforcement Fairness Act</span> </a> </li> </ul> </div> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/trade/priority-issues/import-safety" class="usa-nav__link"> <span><strong>Key Trade Issues</strong></span> </a> </div> <ul id="basic-nav-section-Key-Trade-Issues-4" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/trade/programs-administration/customs-brokers"> <span>Brokers</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/trade/forced-labor"> <span>Forced Labor</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/trade/priority-issues"> <span>Priority Trade Issues</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/trade/quota"> <span>Quota</span> </a> </li> </ul> </div> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/trade/rulings" class="usa-nav__link"> <span><strong>Rulings & Legal Decisions </strong></span> </a> </div> <ul id="basic-nav-section-Rulings-&-Legal-Decisions--5" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/trade/rulings/bulletin-decisions"> <span>Customs Bulletin and Decisions</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/trade/rulings/eruling-requirements"> <span>eRuling Requirements</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/trade/rulings/trade-related-federal-register-notices"> <span>Federal Register Notices</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/trade/rulings/informed-compliance-publications"> <span>Informed Compliance Publications</span> </a> </li> </ul> </div> </div> </div> </li> <li class="usa-nav__primary-item"> <button class="usa-accordion__button usa-nav__link " aria-expanded="false" aria-controls="basic-mega-nav-section-3"> <span>Border Security</span> <span class="expansion-indicator"></span> </button> <div id="basic-mega-nav-section-3" class="usa-nav__submenu usa-megamenu" hidden=""> <div class="grid-row grid-gap-4"> <div class="desktop:grid-col-3"> <div class="usa-nav__submenu-item"> <a href="/border-security" class="usa-nav__submenu-item-heading"> <span><h3>Border Security</h3></span> </a> </div> </div> </div> <div class="grid-row grid-gap-4"> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/border-security/along-us-borders" class="usa-nav__link"> <span><strong>Along U.S. Borders</strong></span> </a> </div> <ul id="basic-nav-section-Along-US-Borders-1" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/border-security/along-us-borders/history"> <span>Border Patrol History</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/border-security/along-us-borders/border-patrol-sectors"> <span>Border Patrol Sectors</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/border-security/human-trafficking"> <span>Human Trafficking</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/border-security/along-us-borders/missing-migrant-program"> <span>Missing Migrant Program</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/border-security/along-us-borders/strategic-plan"> <span>Strategic Plan</span> </a> </li> </ul> </div> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/border-security/ports-entry" class="usa-nav__link"> <span><strong>At Ports of Entry</strong></span> </a> </div> <ul id="basic-nav-section-At-Ports-of-Entry-2" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/border-security/canine-program"> <span>Canine Program</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/travel/preclearance"> <span>Preclearance</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/border-security/ports-entry/cargo-security"> <span>Cargo Security</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/border-security/protecting-agriculture"> <span>Protecting Agriculture</span> </a> </li> </ul> </div> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/border-security/air-sea" class="usa-nav__link"> <span><strong>From the Air and Sea</strong></span> </a> </div> <ul id="basic-nav-section-From-the-Air-and-Sea-3" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/border-security/air-sea/missions"> <span>Operations Missions</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/border-security/air-sea/aircraft-and-marine-vessels/cbp-and-domestic-general-aviation"> <span>Domestic General Aviation</span> </a> </li> </ul> </div> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/border-security/international-initiatives" class="usa-nav__link"> <span><strong>International Initiatives</strong></span> </a> </div> <ul id="basic-nav-section-International-Initiatives-4" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/border-security/international-initiatives/cbp-attaches"> <span>CBP Attaches</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/border-security/international-initiatives/international-agreements/cmaa"> <span>Customs Mutual Agreements</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/border-security/international-initiatives/wco"> <span>World Customs Organization</span> </a> </li> </ul> </div> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/border-security/frontline-against-fentanyl" class="usa-nav__link"> <span><strong>Frontline Against Fentanyl</strong></span> </a> </div> <ul id="basic-nav-section-Frontline-Against-Fentanyl-5" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/border-security/frontline-against-fentanyl/operation-plaza-spike-fact-sheet"> <span>Operation Plaza Spike</span> </a> </li> </ul> </div> </div> </div> </li> <li class="usa-nav__primary-item"> <button class="usa-accordion__button usa-nav__link " aria-expanded="false" aria-controls="basic-mega-nav-section-4"> <span>Newsroom</span> <span class="expansion-indicator"></span> </button> <div id="basic-mega-nav-section-4" class="usa-nav__submenu usa-megamenu" hidden=""> <div class="grid-row grid-gap-4"> <div class="desktop:grid-col-3"> <div class="usa-nav__submenu-item"> <a href="/newsroom" class="usa-nav__submenu-item-heading"> <span><h3>Newsroom</h3></span> </a> </div> </div> </div> <div class="grid-row grid-gap-4"> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/newsroom" class="usa-nav__link"> <span><strong>Media & Public</strong></span> </a> </div> <ul id="basic-nav-section-Media-&-Public-1" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/newsroom/accountability-and-transparency"> <span>Accountability and Transparency</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/newsroom/media-releases/all"> <span>Media Releases</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/comunicados-de-prensa"> <span>Comunicados de Prensa</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/newsroom/press"> <span>Press Officers</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/newsroom/social-media-directory"> <span>Social Media Directory</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/newsroom/announcements"> <span>Announcements</span> </a> </li> </ul> </div> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/newsroom/photo-gallery" class="usa-nav__link"> <span><strong>Imagery</strong></span> </a> </div> <ul id="basic-nav-section-Imagery-2" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/newsroom/photo-gallery"> <span>Photo Gallery</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/newsroom/video-gallery"> <span>Video Gallery</span> </a> </li> </ul> </div> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/newsroom" class="usa-nav__link"> <span><strong>Background</strong></span> </a> </div> <ul id="basic-nav-section-Background-3" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/newsroom/news/advisories"> <span>Advisories</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/newsroom/news/news-from-cbp"> <span>Spotlights</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/newsroom/stats"> <span>Stats and Summaries</span> </a> </li> </ul> </div> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/newsroom/cbp-publications-catalogue" class="usa-nav__link"> <span><strong>Publications Catalogue</strong></span> </a> </div> <ul id="basic-nav-section-Publications-Catalogue-4" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/documents-library"> <span>Documents Library</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/newsroom/publications/forms"> <span>Forms</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/frontline"> <span>Frontline Digital Magazine</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/newsroom/publications/performance-accountability-financial"> <span>Reports</span> </a> </li> </ul> </div> </div> </div> </li> <li class="usa-nav__primary-item"> <button class="usa-accordion__button usa-nav__link " aria-expanded="false" aria-controls="basic-mega-nav-section-5"> <span>About CBP</span> <span class="expansion-indicator"></span> </button> <div id="basic-mega-nav-section-5" class="usa-nav__submenu usa-megamenu" hidden=""> <div class="grid-row grid-gap-4"> <div class="desktop:grid-col-3"> <div class="usa-nav__submenu-item"> <a href="/about" class="usa-nav__submenu-item-heading"> <span><h3>About CBP</h3></span> </a> </div> </div> </div> <div class="grid-row grid-gap-4"> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/about" class="usa-nav__link"> <span><strong>Who We Are</strong></span> </a> </div> <ul id="basic-nav-section-Who-We-Are-1" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/newsroom/stats/typical-day-fy2023"> <span>A Typical Day at CBP</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/cbp-snapshot"> <span>CBP Snapshot of Operations</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/about/labs-scientific-svcs"> <span>Labs and Scientific Services</span> </a> </li> </ul> </div> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/about" class="usa-nav__link"> <span><strong>Learn About CBP</strong></span> </a> </div> <ul id="basic-nav-section-Learn-About-CBP-2" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/about/contact"> <span>Contact Us</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/about/leadership-organization"> <span>Leadership/Organization</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/about/history"> <span>History</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/about/in-memoriam"> <span>In Memoriam</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/about/archive"> <span>Archive Search</span> </a> </li> </ul> </div> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/about/environmental-management" class="usa-nav__link"> <span><strong>Environmental Stewardship</strong></span> </a> </div> <ul id="basic-nav-section-Environmental-Stewardship-3" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/about/environmental-management"> <span>Environmental Management</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/about/environmental-management-sustainability/sustainability"> <span>Sustainability</span> </a> </li> </ul> </div> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/about/congressional-resources" class="usa-nav__link"> <span><strong>Congressional Resources</strong></span> </a> </div> <ul id="basic-nav-section-Congressional-Resources-4" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/about/congressional-resources/cbp-access"> <span>CBP Access</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/about/congressional-resources/protocol-congressional-facility-visits"> <span>Congressional Delegations</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/about/congressional-resources/frequently-asked-questions-congressional-staffers"> <span>Congressional Office FAQs</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/about/congressional-resources/congressional-staff-resources"> <span>Congressional Staff Resources</span> </a> </li> </ul> </div> <div class="usa-col"> <div class="usa-nav__submenu-item "> <a href="/about/searching-someone-cbp-custody"> <span>Searching for Someone in CBP Custody</span> </a> </div> </div> </div> </div> </li> <li class="usa-nav__primary-item"> <button class="usa-accordion__button usa-nav__link " aria-expanded="false" aria-controls="basic-mega-nav-section-6"> <span>Careers</span> <span class="expansion-indicator"></span> </button> <div id="basic-mega-nav-section-6" class="usa-nav__submenu usa-megamenu" hidden=""> <div class="grid-row grid-gap-4"> <div class="desktop:grid-col-3"> <div class="usa-nav__submenu-item"> <a href="https://careers.cbp.gov/s/" class="usa-nav__submenu-item-heading"> <span><h3>Careers</h3></span> </a> </div> </div> </div> <div class="grid-row grid-gap-4"> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="https://careers.cbp.gov/s/career-paths" class="usa-nav__link"> <span><strong>Career Paths</strong></span> </a> </div> <ul id="basic-nav-section-Career-Paths-1" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="https://careers.cbp.gov/s/career-paths/usbp"> <span>U.S. Border Patrol</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="https://careers.cbp.gov/s/career-paths/amo"> <span>Air and Marine Operations</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="https://careers.cbp.gov/s/career-paths/ofo"> <span>Office of Field Operations</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="https://careers.cbp.gov/s/career-paths/trade"> <span>Office of Trade</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="https://careers.cbp.gov/s/career-paths/opr"> <span>Office of Professional Responsibility</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="https://careers.cbp.gov/s/career-paths/mission-ops"> <span>Other Career Opportunities</span> </a> </li> </ul> </div> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="https://careers.cbp.gov/s/" class="usa-nav__link"> <span><strong>Applicant Categories</strong></span> </a> </div> <ul id="basic-nav-section-Applicant-Categories-2" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="https://careers.cbp.gov/s/career-paths/veterans"> <span>Veterans</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="https://careers.cbp.gov/s/career-paths/persons-with-disabilities"> <span>Persons with Disabilities</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="https://careers.cbp.gov/s/career-paths/retired-annuitant"> <span>Retired Annuitant</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="https://careers.cbp.gov/s/career-paths/ses"> <span>Senior Executive Service</span> </a> </li> </ul> </div> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="https://careers.cbp.gov/s/applicant-resources" class="usa-nav__link"> <span><strong>Prepare to Apply</strong></span> </a> </div> <ul id="basic-nav-section-Prepare-to-Apply-3" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="https://careers.cbp.gov/s/applicant-resources"> <span>Applicant Resources</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="https://careers.cbp.gov/s/applicant-resources/study-guides"> <span>Study Guides</span> </a> </li> </ul> </div> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/employee-resources/new-employees" class="usa-nav__link"> <span><strong>New Employee Resources</strong></span> </a> </div> <ul id="basic-nav-section-New-Employee-Resources-4" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/employee-resources/new-employees/onboarding-manager"> <span>Onboarding Manager</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/employee-resources/new-employees/forms-helpful-information"> <span>Forms and Helpful Information</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/employee-resources/new-employees/benefits"> <span>Benefits and Compensation</span> </a> </li> </ul> </div> </div> </div> </li> <li class="usa-nav__primary-item"> <button class="usa-accordion__button usa-nav__link usa-current" aria-expanded="false" aria-controls="basic-mega-nav-section-7"> <span>Employee Resources</span> <span class="expansion-indicator"></span> </button> <div id="basic-mega-nav-section-7" class="usa-nav__submenu usa-megamenu" hidden=""> <div class="grid-row grid-gap-4"> <div class="desktop:grid-col-3"> <div class="usa-nav__submenu-item"> <a href="/employee-resources" class="usa-nav__submenu-item-heading"> <span><h3>Employee Resources</h3></span> </a> </div> </div> </div> <div class="grid-row grid-gap-4"> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/employee-resources/family" class="usa-nav__link"> <span><strong>Family</strong></span> </a> </div> <ul id="basic-nav-section-Family-1" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/employee-resources/family/backup-care-program"> <span>Backup Care</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/employee-resources/family/child-care"> <span>Child Care</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/employee-resources/family/employee-assistance-program"> <span>EAP</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/employee-resources/family/eldercare"> <span>Eldercare</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/employee-resources/family/financial-wellness"> <span>Financial Wellness</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/employee-resources/family/adding-family-member/paid-parental-leave-faqs"> <span>Paid Parental Leave</span> </a> </li> </ul> </div> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/employee-resources/benefits" class="usa-nav__link"> <span><strong>Benefits</strong></span> </a> </div> <ul id="basic-nav-section-Benefits-2" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/employee-resources/benefits/dental-vision-insurance"> <span>Dental and Vision</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/employee-resources/benefits/health-insurance"> <span>Health Insurance</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/employee-resources/benefits/fegli"> <span>Life Insurance</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/employee-resources/benefits/long-term-care"> <span>Long Term Care</span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/employee-resources/benefits/tap"> <span>Tuition Assistance</span> </a> </li> </ul> </div> <div class="usa-col"> <div class="usa-nav__submenu-item"> <a href="/employee-resources/retirement" class="usa-nav__link"> <span><strong>Retirement</strong></span> </a> </div> <ul id="basic-nav-section-Retirement-3" class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item"> <a href="/employee-resources/retirement/applying"> <span>Apply for Retirement</span> </a> </li> <li 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and Family Resources " >Employee and Family Resources</a> </li> <li> <a href="/employee-resources/benefits" aria-label="Breadcrumb item for: Benefits " >Benefits</a> </li> <li> Long Term Care </li> </ol> </div> </div> </div> </div> <div class="grid-row grid-gap"> <aside role="navigation" aria-label="leftside-nav" class="desktop:grid-col-3"> <div class="region region-sidebar-first"> <div id="cbp-sidebar-desktop"> <ul class="usa-sidenav"> <li class="usa-sidenav__item"> <a href="/employee-resources" aria-label="Left sidebar menu item for: Employee and Family Resources " class="usa-current expanded " > <span>Employee and Family Resources</span> </a> <ul class="usa-sidenav__sublist"> <li class="usa-sidenav__item"> <a href="/employee-resources/family" aria-label="Left sidebar menu item for: Family " > <span>Family</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/benefits" aria-label="Left sidebar menu item for: Benefits " class="usa-current expanded " > <span>Benefits</span> </a> <ul class="usa-sidenav__sublist"> <li class="usa-sidenav__item"> <a href="/employee-resources/benefits/health-insurance" aria-label="Left sidebar menu item for: Health Insurance " > <span>Health Insurance</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/benefits/dental-vision-insurance" aria-label="Left sidebar menu item for: Dental & Vision Insurance " > <span>Dental & Vision Insurance</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/benefits/fsafeds" aria-label="Left sidebar menu item for: Flexible Spending Accounts " > <span>Flexible Spending Accounts</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/benefits/fegli" aria-label="Left sidebar menu item for: Life Insurance " > <span>Life Insurance</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/benefits/long-term-care" aria-label="Left sidebar menu item for: Long Term Care " class="usa-current 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Fraudulent EPP Websites</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/benefits/open-season" aria-label="Left sidebar menu item for: Federal Health Benefits Open Season " > <span>Federal Health Benefits Open Season</span> </a> </li> </ul> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/retirement" aria-label="Left sidebar menu item for: Retirement " > <span>Retirement</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/worklife-balance" aria-label="Left sidebar menu item for: Worklife Balance " > <span>Worklife Balance</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/getting-connected" aria-label="Left sidebar menu item for: Ways to Connect " > <span>Ways to Connect</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/health-wellness" aria-label="Left sidebar menu item for: Health and Wellness " > <span>Health and Wellness</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/new-employees" aria-label="Left sidebar menu item for: New Employee Resources " > <span>New Employee Resources</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/quick-links" aria-label="Left sidebar menu item for: Quick Links " > <span>Quick Links</span> </a> </li> </ul> </li> </ul> </div> <div id="cbp-sidebar-mobile" class="usa-accordion"> <h4 class="usa-accordion__heading"> <button class="usa-accordion__button" aria-expanded="false" aria-controls="left-menu-accordion" > Employee and Family Resources </button> </h4> <div id="left-menu-accordion" class="usa-accordion__content usa-prose"> <ul class="usa-sidenav"> <li class="usa-sidenav__item"> <a href="/employee-resources/family" aria-label="Left sidebar menu item for: Family " > <span>Family</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/benefits" aria-label="Left sidebar menu item for: Benefits " class="usa-current expanded " > <span>Benefits</span> </a> <ul class="usa-sidenav__sublist"> <li class="usa-sidenav__item"> <a href="/employee-resources/benefits/health-insurance" aria-label="Left sidebar menu item for: Health Insurance " > <span>Health Insurance</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/benefits/dental-vision-insurance" aria-label="Left sidebar menu item for: Dental & Vision Insurance " > <span>Dental & Vision Insurance</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/benefits/fsafeds" aria-label="Left sidebar menu item for: Flexible Spending Accounts " > <span>Flexible Spending Accounts</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/benefits/fegli" aria-label="Left sidebar menu item for: Life Insurance " > <span>Life Insurance</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/benefits/long-term-care" aria-label="Left sidebar menu item for: Long Term Care " class="usa-current expanded current-page-url" > <span>Long Term Care</span> </a> <ul class="usa-sidenav__sublist"> <li class="usa-sidenav__item"> <a href="/employee-resources/benefits/long-term-care/fltcip-suspension-notice" aria-label="Left sidebar menu item for: FLTCIP Suspension Notice " > <span>FLTCIP Suspension Notice</span> </a> </li> </ul> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/benefits/survivor-benefits" aria-label="Left sidebar menu item for: Survivor Benefits & Support " > <span>Survivor Benefits & Support</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/benefits/tap" aria-label="Left sidebar menu item for: Tuition Assistance Program " > <span>Tuition Assistance Program</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/benefits/avoid-fraudulent-epp-websites" aria-label="Left sidebar menu item for: Protect Your Personal Information: Avoid Fraudulent EPP Websites " > <span>Protect Your Personal Information: Avoid Fraudulent EPP Websites</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/benefits/open-season" aria-label="Left sidebar menu item for: Federal Health Benefits Open Season " > <span>Federal Health Benefits Open Season</span> </a> </li> </ul> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/retirement" aria-label="Left sidebar menu item for: Retirement " > <span>Retirement</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/worklife-balance" aria-label="Left sidebar menu item for: Worklife Balance " > <span>Worklife Balance</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/getting-connected" aria-label="Left sidebar menu item for: Ways to Connect " > <span>Ways to Connect</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/health-wellness" aria-label="Left sidebar menu item for: Health and Wellness " > <span>Health and Wellness</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/new-employees" aria-label="Left sidebar menu item for: New Employee Resources " > <span>New Employee Resources</span> </a> </li> <li class="usa-sidenav__item"> <a href="/employee-resources/quick-links" aria-label="Left sidebar menu item for: Quick Links " > <span>Quick Links</span> </a> </li> </ul> </div> </div> <div id="block-employeeresourcesgovdelivery" class="block block-block-content block-block-content:26495aa5-0b24-48a0-9759-b0d50dd88210"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><p><span contenteditable="false" tabindex="-1"><a data-widget="image" href="https://public.govdelivery.com/accounts/USDHSCBPR/subscriber/new?topic_id=USDHSCBPR_24" target="_blank"><img alt="GovDelivery Icon" data-entity-type data-entity-uuid src="https://www.cbp.gov/assets/employee-family-resources/govdeliverysignup.png" style="width: 250px;"></a></span></p> <p> </p> <p> </p> </div> </div> </div> </aside> <div class="region-content region-content desktop:grid-col-9"> <div class="region region-content"> <div data-drupal-messages-fallback class="hidden"></div> <div id="block-pagetitle" class="block block-core block-page-title-block"> <h1 id="page-title" class="uswds-page-title page-title"><span class="field field--name-title field--type-string field--label-hidden">Long Term Care (FLTCIP)</span> </h1> </div> <div class="language-switcher-language-content-entity block block-language block-language-block:language-content" id="block-languageswitchercontent" role="navigation"> </div> <div id="block-cbpd8-gov-theme-cbp-gov-theme-system-main" class="block block-system block-system-main-block"> <article> <div> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><p>The <a href="https://www.ltcfeds.com/">Federal Long Term Care Insurance Program (FLTCIP)</a> provides long term care to individuals who qualify. Long term care is care that you need if you can no longer perform everyday tasks (activities of living) by yourself due to chronic illness, disability or the aging process. It also includes supervision you may need due to severe cognitive impairment (e.g. Alzheimer's disease).</p> <p class="usa-prose"><strong><span class="cbp-red">ALERT:</span></strong> <strong><a href="/employee-resources/benefits/long-term-care/fltcip-suspension-notice">FLTCIP Suspension Notice</a></strong></p> <p class="usa-prose">FLTCIP applications suspended beginning December 19, 2022.</p> <h2>Individuals Eligible to Apply for FLTCIP at Anytime Are:</h2> <ul> <li>Federal employees and members of the military</li> <li>Federal and military retirees</li> <li>Current and surviving spouses of employees and retirees (civilian and military)</li> <li>Same-sex and opposite-sex domestic partners of employees and retirees (civilian and military)</li> <li>Adult children (age 18 and older) of domestic partners of employees and retirees (civilian and military)</li> <li>Parents of living employees, including in-laws, and stepparents (civilian and military)</li> </ul> <p><strong>All applicants are subject to full underwriting procedures in which they must answer various health-related and lifestyle-related questions. Please note that newly hired employees within 60 days of becoming eligible are an exception to this policy.</strong></p> <h2>What Does FLTCIP Cost?</h2> <p>The cost of FLTCIP is based on the individual’s age when the policy was purchased and the benefit options included in the policy. Premiums do not increase as the daily benefit amount increases (with the election of Automatic Compound Inflation Option).</p> <ul> <li>Enrollees pay entire premium <ul> <li>No government contribution to the cost</li> </ul> </li> <li>Guaranteed renewability <ul> <li>As long as premiums are paid, the policy cannot be cancelled</li> </ul> </li> <li>Premiums through: <ul> <li>Payroll deduction</li> <li>Debiting checking/savings account</li> <li>Direct payment to the insurance company</li> </ul> </li> </ul> <ul> <li>Premiums are waived if an individual is eligible for benefits and met the waiting period</li> <li>An individual can decrease coverage/premiums at any time</li> <li>Premiums are not returned if the policy is cancelled or insurance is not used</li> <li>Premiums are not guaranteed but may be increased if you are among a group of enrollees whose premiums are determined to be inadequate</li> </ul> <h2>What Are My Options With FLTCIP?</h2> <table border="1" cellpadding="1" cellspacing="1" style="width: 100%;" summary="Options with FLTCIP"> <thead> <tr> <th colspan="3" scope="col">Benefits</th> </tr> </thead> <tbody> <tr> <td style="text-align: center;">Daily Benefit Amount</td> <td style="text-align: center;">Benefit Period</td> <td style="text-align: center;">Inflation Period</td> </tr> <tr> <td> <ul> <li>Ranges from $100 to $450 per day</li> <li>Individual chooses amount in $50 increments</li> </ul> </td> <td> <ul> <li>2 years</li> <li>3 years</li> <li>5 years</li> <li>Unlimited</li> </ul> </td> <td> <ul> <li>Automatic compound inflation: increases 4% or 5% per years (with no increase in premium)</li> <li>Future purchase option: individual can buy additional coverage (at additional cost) every 2 years</li> </ul> </td> </tr> </tbody> </table> <h2>How Do I Qualify For Coverage?</h2> <table border="1" cellpadding="1" cellspacing="1" style="width: 100%;" summary="When You Can Enroll and Requirements for FLTCIP"> <thead> <tr> <th scope="col">When You Can Enroll</th> <th scope="col">Requirements</th> </tr> </thead> <tbody> <tr> <td>First 60 days as a newly eligible employee</td> <td>Fewer questions – employee & spouse only</td> </tr> <tr> <td>First 60 days after employee’s marriage</td> <td>Fewer questions – spouse only</td> </tr> <tr> <td>Long term care open season</td> <td>Fewer questions – infrequent</td> </tr> <tr> <td>Anytime</td> <td>More questions – all eligible individuals</td> </tr> </tbody> </table> <p>Requirements in addition to health questions include:</p> <ul> <li>Requesting individual satisfies waiting employee</li> <li>Licensed health care practitioner certifies that cannot perform 2 of 6 Activities of Daily Living and Care expected to last at least 90 days OR needs substantial supervision due to severe cognitive impairment</li> <li>Insurance company agrees with certification</li> <li>Licensed health care practitioner develops plan of care that insurance company accepts</li> </ul> </div> <div class="node_view"></div> 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