United States Office of Personnel Management

The Federal Government’s Human Resources Agency

Benefits Administration Letter

Number: 23-902 Date: September 11, 2023

Subject: Federal Long Term Care Insurance 

Program (FLTCIP) 

This Benefits Administration Letter (BAL) provides guidance about an 

Enrollee Decision Period for FLTCIP enrollees, to be held from September 11 

to November 9, 2023.

Contract Extension

The U.S. Office of Personnel Management (OPM) has extended the Federal 

Long Term Care Insurance Program (FLTCIP) contract with John Hancock 

Life & Health Insurance Company (John Hancock) for a new seven-year 

period beginning May 1, 2023. John Hancock, the FLTCIP insurance carrier, 

is required to monitor FLTCIP experience and propose corrective action to 

OPM when experience indicates that it may be needed. 

Recent analysis of the program’s actual and projected experience concludes 

that a premium rate increase is needed. The current FLTCIP premiums are 

not sufficient to meet future projected obligations. Under the extended 

contract, premium rates will increase for many enrollees effective January 1, 

2024. OPM is holding an Enrollee Decision Period for current enrollees from 

September 11 to November 9, to give them the opportunity to review their 

current coverage and make decisions that allow them to accept or mitigate 

the impact of the premium increase.
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Long Term Care Partners, LLC, (LTCP) a subsidiary of John Hancock, will 

continue to administer the program. Their toll-free phone number, 1-800-

582-3337 (TTY 1-800-843-3337), and website, LTCFEDS.com, remain the 

same.

General Notification Letters to Enrollees

FLTCIP enrollees were sent two general notification letters. The first letter, 

sent in May 2022, notified enrollees that a premium increase was likely. The 

second letter, sent in May 2023, informed enrollees that personalized 

options would be mailed in September 2023.

Enrollee Decision Period for Current FLTCIP Enrollees 

a) Personalized Options 

LTCP will send each impacted enrollee a 2023 Enrollee Decision Period letter 

package with personalized options. The package will include an introductory 

letter, a return envelope, an informational brochure, and a Benefit Options 

Worksheet with detailed information about the enrollee’s current coverage 

and options to change coverage. Most enrollees will be provided with an 

option to reduce certain components of their coverage to help keep their 

premium at or near its current level. All enrollees impacted by a premium 

rate increase will receive the option to choose a paid-up, limited benefit, 

with no future premiums due. This is referred to as a contingent benefit 

upon lapse and is a consumer protection feature that is built into FLTCIP 

coverage and available under certain conditions when a premium increase

occurs.

Enrollees may request other benefit decreases not indicated on the Benefit 

Options Worksheet based on program options available at this time and can 

call LTCP to learn more. 

Most FLTCIP enrollees are impacted by the current premium increase 

effective January 1, 2024. Enrollees who are impacted include those who:

• have FLTCIP 1.0, FLTCIP 2.0, or FLTCIP Alternative Insurance Program

(AIP) coverage, and

• are not currently eligible for benefits or waiting for a decision on a 

pending claim. 
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Note: There may be exceptions to the list above depending on an enrollee’s

issue age (the age they applied and were approved for coverage). If a 

FLTCIP enrollee is excluded from the current premium increase, they will 

receive a letter indicating this. Enrollees in the FLTCIP 3.0 plan which was 

introduced on October 21, 2019, are not impacted by this premium increase.

b) Timing of the 2023 Enrollee Decision Period letter mailing

The personalized letters will be mailed in mid-September and will be 

staggered over several days; not all enrollees will receive their packages at 

the same time. Beginning September 11, enrollees may also visit 

LTCFEDS.com/login to log into or register for a My LTCFEDS account to 

review their personalized options and make their selection online. 

c) Due Date for Decision

The deadline for enrollees to submit a selection is November 9, 2023. If 

LTCP does not receive a selection by November 9, 2023, the enrollee’s 

premium will increase, effective January 1, 2024, and they will maintain 

their current coverage with any applicable inflation increases. 

d) Effective Date 

The effective date for all coverage and/or premium changes made during the 

Enrollee Decision Period will be January 1, 2024, regardless of when during 

the Enrollee Decision Period the selection is made. 

e) For Current Enrollees Only 

The Enrollee Decision Period is for current impacted FLTCIP enrollees only. It 

is not a general open season. OPM suspended applications for coverage 

under the FLTCIP effective December 19, 2022, for a two-year period

subject to extension. 

f) Educational Resources 

The 2023 Enrollee Decision Period letter package includes details about each 

of the personalized options provided. The FLTCIP website LTCFEDS.com/help

will have general questions and answers on the contract extension and the 
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Enrollee Decision Period. The FLTCIP website, LTCFEDS.com, will also have 

digital resources, specific to each plan type, that enrollees can access in 

their My LTCFEDS online account to help in the decision-making process. 

Long Term Care Partners, LLC has a call center with trained customer service 

representatives to help current enrollees understand their choices. 

Personalized assistance is available from 8 a.m. to 6 p.m. (ET) at 1-800-

582-3337 (TTY 1-800-843-3357). 

g) Enrollee Decision Period Resources for Agency Benefits Officers 

LTCP is hosting an informational training webinar for Agency Benefits 

Officers about the 2023 Enrollee Decision Period. The event will air live on 

Wednesday, September 20, 2023, at 2 p.m. (ET). You may register for the 

live event or view the on-demand version if you cannot attend. LTCP will 

host webinars for FLTCIP enrollees on September 26 and 28. 

A fact sheet has also been created to help agencies handle questions. Please 

share with all agency personnel—especially agency-shared service centers—

who field benefits questions from employees and retirees. 

If you have any questions regarding this Benefits Administration Letter, 

please contact the FLTCIP Program Office at ltc@opm.gov. You may also 

contact your FLTCIP account manager at LTCFEDSInfo@ltcpartners.com for

assistance. 

Sincerely,

Laurie Bodenheimer

Associate Director

Healthcare and Insurance