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My Coast Guard
Commentary | Nov. 28, 2022

 Federal Long Term Care Insurance program suspension 

By Office of Civilian Human Resources

The Office of Personnel Management (OPM) is suspending applications for coverage in the Federal Long Term Care Insurance Program (FLTCIP) to allow OPM and the FLTCIP carrier the time to thoroughly assess the benefit offerings and establish sustainable premium rates that reasonably and equitably reflect the cost of the benefits provided, as required under 5 U.S.C. 9003(b)(2). 

OPM has determined that a suspension of applications for FLTCIP coverage, including coverage increases, is in the best interest of the program. The suspension period begins Dec. 19, 2022. 

Those who are not currently enrolled may not apply for coverage and current enrollees may not apply to increase their coverage during the suspension period. The suspension will remain in effect for 24 months, unless OPM issues a subsequent notice to end or extend the extension period. Newly eligible employees and newly eligible spouses of employees may apply with abbreviated underwriting until Dec. 19, 2022. 

Eligible people who submit an application for FLTCIP to the program administrator, Long Term Care Partners, LLC, prior to the start of the suspension period will have their application considered. If the carrier approves the application for coverage, then the person will receive a benefit booklet and schedule of benefits with complete coverage information. 

The enrollment status or benefit eligibility of current enrollees does not change. Coverage will continue if they are currently enrolled. For those in a claim status, there is no change to coverage and claims reimbursement process. 

If you have any questions, please reach out to your Retirement and Benefits Specialist. To identify your Specialist, visit Servicing Assignment list.