The Federal Long Term Care Insurance Program

What The Federal Long Term Care Insurance Program does

The Federal Long Term Care Insurance Program (FLTCIP) is a U.S. federal government-sponsored group long term care insurance program serving federal civilian employees, retirees, and their qualified relatives. It was established under the Long-Term Care Security Act of 2000 and began operations in 2002, with the U.S. Office of Personnel Management (OPM) providing program oversight and John Hancock Life & Health Insurance Company acting as the insurance underwriter. FedPoint is co-branded on the program as a program administrator. Eligibility is strictly limited to the federal civilian workforce and its retiree population, and coverage is portable across state lines and across employment transitions. FLTCIP issues a single core insurance product — long term care coverage that pays for home health care, assisted living, and nursing home care — paired with a self-service portal (My LTCFEDS) for policy management, claims, and EOB access; a Care Navigator resource for care coordination; and a Cost of Care Tool providing regional price benchmarks. The technology stack is conventional, centered on the official LTCFEDS.gov website integrated with Login.gov for identity verification, with Agency Benefits Officers (ABOs) embedded at federal agencies providing enrollment support. No AI, advanced analytics, proprietary models, or patents are disclosed. The program operates as a government-benefit structure rather than a commercial enterprise, with pricing set through individualized underwriting rather than published rate cards, and there is no headcount or revenue disclosure available.

The business model is built on recurring insurance premiums paid by enrolled policyholders. Active federal employees can pay via payroll deduction, while retirees and separated employees pay via direct billing. Distribution is exclusively through the federal ecosystem — ABOs at each agency and the LTCFEDS.gov self-service portal — which structurally precludes commercial channels. The program's most consequential recent development is OPM's 24-month extension of the FLTCIP application suspension, effective December 19, 2024, which prevents new applicants from enrolling and blocks existing enrollees from increasing coverage through approximately December 2026.

Name

The Federal Long Term Care Insurance Program

Legal name

The Federal Long Term Care Insurance Program

Website

https://ltcfeds.com

Company type

Private

Founded year

2002

Operating status

Operating

Short description

The Federal Long Term Care Insurance Program (FLTCIP) is a U.S. government-sponsored group long-term care insurance program serving federal civilian employees, retirees, and their qualified relatives, administered by the Office of Personnel Management and underwritten by John Hancock.

Ownership category

akta.pro rank

Headquarters

HQ city

Greenland

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Long Term Care Insurance Premiums: The FLTCIP generates revenue through recurring insurance premiums paid by enrolled federal employees and retirees. Coverage is portable when leaving federal service, and premiums can be paid through payroll deduction or direct payment. The program is insured by John Hancock Life & Health Insurance Company.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

The FLTCIP provides group long term care insurance coverage to U.S. federal civilian employees, federal retirees, and their qualified relatives, covering home health care, assisted living, and nursing home care. Insurance is underwritten by John Hancock Life & Health Insurance Company and the program is overseen by the U.S. Office of Personnel Management, with premiums collected via payroll deduction (active employees) or direct billing (retirees). Supporting services include the My LTCFEDS online account portal, a Care Navigator resource, and a Cost of Care planning tool.

Product overview

The Federal Long Term Care Insurance Program (FLTCIP) is a single, unified insurance product offering long-term care coverage for federal employees, retirees, and their qualified relatives. The program includes an online account management portal (My LTCFEDS), a care coordination resource (Care Navigator), and a planning tool (Cost of Care Tool) to help users understand care costs. The program is insured by John Hancock Life & Health Insurance Company and administered under the U.S. Office of Personnel Management. Coverage is portable regardless of employment status.

Differentiator

Problem solved

Functional benefit

Products and services

• Federal Long Term Care Insurance Program (FLTCIP) Government-sponsored group long term care insurance coverage for U.S. federal civilian employees, federal retirees, and their qualified relatives, covering home health care, assisted living facilities, and nursing home care. Coverage is portable across employment status and continues as long as premiums are paid.
• My LTCFEDS Account Online portal for FLTCIP enrollees to review coverage, manage claims, submit invoices, track informal caregiver dates and times, and access explanation of benefits (EOBs), authenticated via Login.gov.
• Care Navigator Resource and support service that helps FLTCIP enrollees navigate care options and coordinate long term care services.
• Cost of Care Tool Planning tool providing average costs of home health care services, assisted living facilities, and nursing homes in the user's area to support long term care planning decisions.

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Four partnerships are on record, tiered core.

• John Hancock Life & Health Insurance CompanycoreOthersJohn Hancock serves as the insurer for FLTCIP, providing the insurance backing and financial guarantees for all long term care policies issued under the program. As the underwriter, John Hancock assumes the insurance risk and is responsible for paying claims.
• U.S. Office of Personnel Management (OPM)coreOthersOPM is the federal oversight agency for FLTCIP, establishing program guidelines, eligibility requirements, and regulatory framework. The program is an official OPM-sponsored benefit for federal employees.
• FedPointcoreImplementation/ SI/ Consulting PartnerFedPoint appears as a co-branded partner alongside FLTCIP logo on the website footer, suggesting involvement in program administration, technology platforms, or customer service operations for the insurance program.
• Login.govcoreTechnology or IntegrationLogin.gov is the designated identity verification and authentication service for LTCFEDS.gov, replacing previous login credentials. Federal employees and retirees use Login.gov to access their My LTCFEDS accounts for coverage management and claims processing.

Recent moves4 records

Expansion highlights3 records

Market position

Competitive moat4 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about The Federal Long Term Care Insurance Program