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Does Federal Long-Term Care Insurance Extend to Assisted Living?
Date Updated: July 26, 2024
Written by:
With over a decade of dedicated experience, Andrea Miller boasts an extensive background in healthcare writing and editing. Her expertise spans various facets of the healthcare industry, with a particular focus on nursing, senior care, Alzheimer’s disease, and public health. Andrea has also contributed her editorial talents to reputable publishers in the Philadelphia region, complementing her extensive freelance work.
Reviewed by:
Gene Altaffer has a Masters in Gerontology from the University of Southern California and has worked in many avenues along the continuum of long-term care, assisting thousands of clients and their families since 1995. He also sold long-term care insurance from numerous carriers while also assisting families with retirement planning. Gene helps seniors navigate their Medicare plans, ensuring they understand their benefits and options.
Federal long-term care insurance extends to assisted living. However, coverage currently only extends to current members of the Federal Long-Term Care Insurance Program, or FLTCIP. The Office of Personnel Management suspended new applications for coverage in December 2022.
What does federal long-term care insurance cover?
Federal long-term care insurance covers 100% of the cost of assisted living care up to the daily benefit amount established in your policy. You select your daily benefit amount when you purchase your FLTCIP coverage, and it appears on your Schedule of Benefits.
Who qualifies for the Federal Long-Term Care Insurance Program?
Uniformed military members, civilians who work for the federal government and some family members qualify for the FLTCIP. More than 260,000 people receive benefits through this plan, but it’s not currently open to new applicants.