Federal Long Term Care Insurance Programs San Francisco

The Long Term Care Security Act authorizes OPM to offer a Federal Long Term Care Insurance Programs San Francisco designed exclusively for members of the Federal Family. OPM regulates the Federal Long Term Care Insurance Program (FLTCIP) and plays an important role in ensuring that the FLTCIP remains up-to-date and competitive – a valuable benefit not found in other long term care insurance programs.

Who is Eligible to Apply for this Insurance?
Several groups are eligible to apply for coverage under the FLTCIP. This includes Federal employees and annuitants including members and retired members of the uniformed services, as well as qualified relatives.

Federal Long Term Care Insurance Programs San Francisco

Features and Services:

Home, assisted living and nursing care:
You can choose your care setting, whether at home, in an assisted living facility, in a nursing home, or in a variety of other settings. Additionally, the FLTCIP Federal Long Term Care Insurance Programs San Francisco covers care provided in the home by friends, family members, and other unlicensed caregivers.

Stay-at-home benefit:
The LTCIP Long Term Care Insurance Washington offers a stay-at-home benefit which can pay benefits for numerous options that support care in a home environment such as care planning visits, home modifications, an emergency medical response system, durable medical equipment, caregiver training, and home safety checks.

Portable coverage: Once you have coverage, it is portable. You can keep it as long as you continue to pay the required premiums and have not exhausted your maximum lifetime benefit. Even if you are no longer a member of an eligible group (for example, if you leave government employment).

Guaranteed renewable: Your insurance coverage is guaranteed renewable. It can never be canceled by the insurance carrier as long as you pay your premiums. It cannot be canceled due to your age or a change in your health.

Waiver of premium:

Your coverage includes a waiver of premium. Once you have completed you waiting period, the waiver of premium feature allows you to stop paying premiums while you are receiving benefits.

If you initiate a claim and are approved for benefits, care coordinators will work with you and/or your family members to develop a plan of care to meet your individual care needs.

They can also help you find high-quality care providers in your area and relay the results of state survey reports regarding service availability, quality, costs, and licensing.

Gaining access to this level of detailed information allows you to make a knowledgeable decision about which provider is best for you.

This service is personal because you can talk to the same care coordinator who knows your particular situation each time you call. Unlike most long term care insurance plans, the Federal Long Term Care Insurance Programs San Francisco (FLTCIP) also provides certain care coordination services to qualified relatives of enrolls at no cost. This can be invaluable in helping reduce the stress that may develop when a relative need long term care.

FLTCIP Federal Long Term Care Insurance Programs San Francisco Pre-Packaged Plans: Plan A, B, C, D

Plan A:

Consider this plan if you want protection but are looking for a lower-cost option, if you will be living in an area where long term care costs are low, or if you plan to pay out of pocket for some of the costs of long term care in the future, if needed:

  • Daily Benefit Amount: $150
  • Benefit period: two years
  • Maximum Lifetime Benefit: $109,500
  • Waiting period: 90 calendar days
  • Inflation period: 4% Automatic Compound Inflation Option, 5% Automatic Compound
  • Inflation Option or Future Purchase Option

Plan B:

Consider this plan if you want protection for at least three years, which corresponds to the average length of stay in a nursing home, or if you will be living in an area where long term care costs are low.

  • Daily Benefit Amount: $150
  • Benefit period: three years
  • Maximum Lifetime Benefit: $164,250
  • Waiting period: 90 calendar days
  • Inflation protection: 4% Automatic Compound Inflation Option, 5% Automatic Compound Inflation Option or Future Purchase Option

Plan C:

  • Daily Benefit Amount: $200
  • Benefit period: three years
  • Maximum Lifetime Benefit: $219,000
  • Waiting period: 90 calendar days
  • Inflation protection: 4% Automatic Compound Inflation Option, 5% Automatic Compound Inflation Option or Future Purchase Option

Plan D:

Consider this plan if you will be living in an area. Where long term care costs are around the national average but you want protection for a longer period of time.

  • Daily Benefit Amount: $1200
  • Benefit period: five years
  • Maximum Lifetime Benefit: $365,000
  • Waiting period: 90 calendar days
  • Inflation protection: 4% Automatic Compound Inflation Option, 5% Automatic
  • Compound Inflation Option or Future Purchase Option

To learn more, please visit the Federal Employee Evaluation Benefits page.
Or call (786) 398-7260