The Office of Personnel Management has partnered with John Hancock to provide long term care insurance with affordable group premiums and comprehensive benefits. Long term care insurance provides reimbursement for costs of care when you are unable to perform at least two activities of daily living for an expected period of at least 90 days, or when you need constant supervision due to a severe cognitive impairment. Federal Employees Health Benefits plans do not cover the cost of long term care. While Medicare covers some care in nursing homes and at home, it does so only for a limited time, subject to restrictions. There is no Government contribution to FLTCIP premiums. You are eligible to apply
for FLTCIP at anytime.