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You are eligible to continue your long term care insurance into retirement. You do not have to be enrolled for any minimum length of time before retiring. Your coverage continues as long as you pay your premiums.

Premiums are the same for all purchasers of the same coverage at the same age. Premiums do not increase just because you retire. If you are paying premiums through biweekly payroll deduction, your premiums after you retire will be deducted on a monthly basis.

If you are not currently enrolled in FLTCIP, you have the option of enrolling after retirement using the full underwriting application. Applications can be submitted at any time.

Survivors of Federal employees and retirees who are receiving a survivor annuity can apply for long term care insurance.


  1. You must contact Term Care Partners to notify them that you are retiring so they can coordinate with the Office of Personnel Management (OPM) to set up deductions from your annuity.
  2. Premiums for FLTCIP cannot be deducted from your annuity while you are receiving interim payments. This means that until OPM finalizes your annuity, Long Term Care Partners must bill you directly for the premiums due. Once your annuity is finalized, Long Term Care Partners can begin to deduct premiums from your annuity. Annuity deductions are not adjusted to catch up uncollected premiums, so be sure to pay the direct bills promptly when you receive them to keep your FLTCIP coverage current.
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