The Federal Long Term Care Insurance Program (FLTCIP)

Patrick N. McCafferty

Account Manager & Media Relations Coordinator

Long Term Care Partners, LLC

FLTCIP Report Card

More than 273,000 current

enrollees

More than 10,000 enrollees

have made claims to date

More than $10 million

per month are paid

in claims, and this

number is growing

Claim approval rate: 96%

3. These statistics are based on current LTC Partners data (accessed April 2015).

The FLTCIP Offers Comprehensive Coverage

Decide where your care will take place:

Home

Adult day care center

Assisted living facility

Nursing home

Hospice facility

The FLTCIP Offers Comprehensive Coverage

Identify your caregivers:

Formal caregivers

Home health and care agencies,

visiting nurse associations, and

hospice agencies

Informal caregivers

Friend, relative, or

private caregiver,

as long as that person

did not live in your home

at the time you became

eligible for benefits

Designing Your FLTCIP Coverage

It’s easy!

1.Choose a daily benefit amount

(DBA).

2.Choose a benefit period.

3.Choose your inflation

protection.

Decision #1: Daily Benefit Amount

Choose between $100 and $450 per day

$50 increments

Covered expenses are paid up to 100% of

DBA for care, regardless of domestic location*

Consider the cost where you live

Launch the Online

Consultant Tool at

www.LTCFEDS.com

* International benefits are reimbursed at a rate of 80%. Other restrictions may apply.

Cost of Care Calculator

Decision #2: Benefit Period

Choose a benefit period

2 years

3 years

5 years

Unlimited

This number will be multiplied

by 365 when you calculate your

overall benefit due to daily

reimbursement of benefits

How It Works: Maximum Lifetime Benefit

Daily benefit amount*

Benefit period (× 365 days)

Maximum lifetime benefit

*Inflation protection works to help keep this number

relevant over the years.

×

How It Works: Maximum Lifetime Benefit

$150* (DBA)

1,095 days (3-year benefit period)

$164,250 (MLB)

*Inflation protection works to help keep this number

relevant through the years.

×

Decision #3: Inflation Protection

Keep pace with the rising costs of care.

Two approaches

Automatic compound inflation

option (ACIO)

Future purchase option (FPO)

Automatic Compound Inflation Option

Choose: 4% or 5% ACIO

Your benefits automatically increase 4% or 5%,

compounded annually

Future Purchase Option

FPO is the most cost-effective way to begin

planning.

There is no built-in inflation protection

You have the ability to increase

your benefits every two years

based on current inflation rates

Your premium will increase for

each inflation increase taken.

The additional premium for each

increase will be based on your

age and the premium rates in

effect at the time the increase

takes effect

FLTCIP Built-in Features

Waiting period

90 calendar days

Stay-at-home benefit

Available during waiting period

Benefit is equal to

30 times your DBA

Benefits paid will not

reduce your MLB

FLTCIP Built-in Features

Expert care coordination is provided by registered nurses to

Help find high-quality care providers in your area

Arrange for discounted services

Support local and long-distance caregiving

Assist with changing your plan of care as needs change

Note: Certain care coordination services are available to

qualified relatives, even if they are not enrolled.

Who Is Eligible to Apply?

Federal and U.S. Postal (USPS) employees

eligible for the FEHB Program

Federal and USPS annuitants

Active and retired members of

the uniformed services

Qualified relatives

Current spouses and domestic

partners of eligible employees

and annuitants

Parents, parents-in-law,

and stepparents of living

eligible employees

Adult children of living eligible

employees and annuitants

Plan for Your Future

Premiums are based on your age at time of application

The FLTCIP is medically underwritten

Each participant must apply individually

Coverage is fully portable

Qualified relatives may apply

even if you don’t

Security for Your Future

The FLTCIP is

The largest employer-sponsored long term care insurance

program in the country

Underwritten by John Hancock Life & Health

Insurance Company

Sponsored by OPM

FLTCIP premiums are held in an experience fund,

a fund separate from John Hancock’s other assets

High service standards

Are My Premiums Guaranteed?

FLTCIP coverage is guaranteed renewable, but premiums are

not guaranteed

Your premium will not change because of your age or health

Premiums may only increase if you are in an enrollee group

whose premium is determined to be inadequate

The U.S. Office of Personnel Management (OPM) must

approve an increase in premium

Your premium may also increase if you voluntarily elect

to increase your benefits

Next Steps

Get in touch!

Program consultants are available:

Weekdays, from 8 a.m. to 6 p.m. (ET)

1-800-LTC-FEDS (1-800-582-3337)

TTY 1-800-843-3557

Visit www.LTCFEDS.com

for more information:

Webinars

Planning tools

Program Overview brochure

Thank you. 1-800-LTC-FEDS

(1-800-582-3337) TTY 1-800-843-3557

www.LTCFEDS.com

info@ltcpartners.com

The Federal Long Term Care Insurance Program is

sponsored by the U.S. Office of Personnel Management,

offered by John Hancock Life & Health Insurance Company,

and administered by Long Term Care Partners, LLC.