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United States Office of Personnel Management

The Federal Government’s Human Resources Agency

Benefits Administration Letter

 

Number: 19-901 Date: October 21, 2019

Subject: Federal Long Term Care Insurance Program (FLTCIP) 

New Long Term Care Insurance Plan- FLTCIP 3.0

Purpose

The purpose of this Benefits Administration Letter is to provide information about the new 

Federal Long Term Care Insurance Program (FLTCIP) plan, FLTCIP 3.0, which is available to 

applicants who apply for coverage under the FLTCIP on or after October 21, 2019. The previous 

FLTCIP 2.0 plan will be closed to new applicants. 

The U.S. Office of Personnel Management worked with the FLTCIP insurer, John Hancock Life 

& Health Insurance Company, and the program administrator, Long Term Care Partners, LLC

(LTCP), to design a new plan that offers comprehensive coverage with added premium stability. 

The FLTCIP 3.0 plan does not affect current FLTCIP enrollees, their plans or their premiums. 

No open season is currently contemplated for FLTCIP 3.0. Current employees and their qualified 

relatives can apply for FLTCIP 3.0 coverage at any time with full underwriting. New employees 

can apply for FLTCIP 3.0 with abbreviated underwriting within 60 days of hire date. 

FLTCIP 3.0

FLTCIP 3.0 is a traditional long term care insurance plan that includes a stay-at-home benefit 

and home care provided by formal and informal caregivers. In addition to its core coverage, 

FLTCIP 3.0 offers a new premium stabilization feature. 

FLTCIP 3.0 benefits, available to new applicants, include: 

• international coverage up to 100% of the maximum lifetime benefit

• choice of a 3% automatic compound inflation option or future purchase option 

• choice of a 2-year, 3-year, or 5-year benefit period 

• a premium stabilization feature 

Premium stabilization feature

Under the premium stabilization feature, there is an adjustable amount that is calculated as a 

percentage of premiums paid. This feature is designed to reduce the potential need for future 

premium increases. Under certain conditions, this amount may be used to offset an enrollee’s

future premium payments or provide a refund of premium death benefit. To learn more about this 
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new feature of FLTCIP 3.0 and see illustrations and examples, visit the FLTCIP’s website at 

LTCFEDS.com. 

Redesigned website and program materials

LTCFEDS.com has been redesigned for the new FLTCIP 3.0 plan. Accessible across desktop 

and mobile devices, the website offers new program videos, educational webinars, planning 

tools, and a user-friendly application for prospective applicants. 

In addition, all FLTCIP materials, including FLTCIP applications, are new. We ask that you 

order FLTCIP 3.0 materials for use in new employee orientation, mid-career and pre-retirement 

seminars, and general benefits training.

It is essential that you stop distributing all prior program material. The prior FLTCIP 2.0 

plan is no longer available to new enrollees. Please discard all prior FLTCIP education material 

and review the FLTCIP content on your intranet site. Please reach out to your agency’s shared 

service center, if applicable, to ensure they have updated FLTCIP 3.0 information. Contact your 

FLTCIP account manager if you need assistance replacing digital or print materials. 

Additional resources

To learn more about FLTCIP 3.0, visit LTCFEDS.com. The dedicated FLTCIP page for agency 

benefits officers has also been updated. 

Agency benefits officers and human resource professionals can register for an informational 

training webinar about FLTCIP 3.0, with live Q&A. The event will air on October 28, 2019, at 

2 p.m. (ET). You may also register to view the on-demand version if you cannot attend the live 

event. Note: This event is not intended for employees. 

Additional questions

If you have any questions regarding this BAL, please contact OPM at ltc@opm.gov. 

For questions, employees may call LTCP at 1-800-LTC-FEDS (1-800-582-3337) TTY 1-800-

843-3557. 

 Sincerely,

 Laurie E. Bodenheimer

Acting Director

Healthcare and Insurance