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For federal employees receiving FEHB insurance, premiums are set to increase docHubly in 2023. Thanks to the volatility of the health care industry due to the Covid-19 pandemic, rates will be increasing by an average of 7.2% ing to the OPM.
Your FLTCIP coverage has a 90 calendar day waiting period. This means that 90 calendar days after your benefit eligibility date, you will be eligible for reimbursement of approved care expenses for services received after your waiting period if you continue to be eligible for benefits at that time.
Under FEHB, you incur a debt to your agency, which pays both your portion and the governments portion of your premiums to your health benefits plan. Under the FLTCIP, your agency does not pay any portion of your premiums and has no legal authority to pay for you.
The long-running initiative, called the Federal Long Term Care Insurance Program (FLTCIP), was halted when John Hancock Life Health Insurance Company, the carrier that operated the program, warned the federal Office of Personnel Management (OPM) that current premiums are unsustainable and it likely would have to
Your FLTCIP coverage has a 90 calendar day waiting period. This means that 90 calendar days after your benefit eligibility date, you will be eligible for reimbursement of approved care expenses for services received after your waiting period if you continue to be eligible for benefits at that time.
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The Federal Long Term Care Insurance Program (FLTCIP) provides long term care insurance to help pay for costs of care when enrollees need help with activities they perform every day, or you have a severe cognitive impairment, such as Alzheimers disease.
Applying for the FLTCIP: The FLTCIP website () provides the ability to apply online or download applications. Or, you can apply by phone at 1-800-LTC-FEDS (1-800-582-3337) TTY 1-800-843-3557.
Your eligible family members can also apply for FLTCIP coverage. Eligible family members are spouses, domestic partners, adult children, and parents.

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