Uniformed Services Members:Protect Your Family With The Federal Long Term Care Insurance Program (NAPSA)—The prospect of need- ing longterm care may befar from your mindtoday, but be aware, circumstances can change. A long term care event can happen at any age, and the potential financial and emotional strain that comes with it can affect you andyourlovedones. Millions of Americans require long term care during their lifetimes*. This includes needing either cognitive or physical assistance with simple tasks such as bathing, eating and dressing— trivial things most people do every day without a second thought. Unfortunately, traditional health insurance plans—including TRICAREFor Life— do not pay for the chronic, ongoing assistance with daily living that is most often associated with long term care. In fact, the long term care benefits offered through the Departmentof VeteransAffairs (VA) aretied to specific trig- gers, including service-connected disability, available funding and even your Chancesare, you or someone you care aboutwill someday need long term care. home, helping you maintain your quality oflife in familiar surroundings. + Informalcare provided byfriends and family members, as long as they do notlive in your homeat the time you becomeeligible for benefits. Benefits for care provided by family members arelimited to 500 days. ability to contribute to the cost of care. Long term care can be expensive and + The program’ care coordination ser- cover the associated costs. Depending on your eligibility status in the VA program, care resources, such as localcare pro- service membersoften rely on the VA to vicesofferenrollees andtheir qualified relatives information about long term the level ofcoverage available to you may viders and relevant community programs, as well as valuable support to notbe enough.Forthis reason, you may want to research stand-alone long term care insurance such as a plan offered through the Federal Long Term Care yourfamily andfriends. Talk candidly with your family members and tell them about the FLTCIP. Starting the conversation prior Insurance Program (FLTCIP). to needing care can help you prepare for hasoffered active and retired members militaryfamily to learn more about the Sinceits launch in 2002, the FLTCIP ofthe uniformedservices the opportu- nity to help take control of their future Jong term care needs. Designed to pro- the unexpected. Visit LTCFEDS.com/ benefits of applying for the FLTCIP. For personalized assistance, call (800) LTC-FEDS ( (800) 582-3337)/ vide solutionsfor a range offinancialsituations, this employer-sponsored program provides comprehensive coverage TTY (800) 843-3557 to speak with a Many membersofthe federal family are eligible to apply for coverage under plan design andapplication process. for more than 270,000 enrollees. program consultant. He or she will answer any questions you may have and can walk youstep by step through the the FLTCIP, includingactive andretired medical conditions, or combinations Certain qualifiedrelatives are also eligible to apply evenifyou do not. Qualified relatives include your spouse, domestic from being approvedfor coverage. You members of the uniformed services. partner,parents and parents-in-law, and adultchildren. Coverage under the FLTCIP ‘The FLTCIPcanlessen orevenelim- You should also know that certain of conditions, will prevent some people needto applytofindoutif you qualify for coverage. More aboutthe FLTCIP Established by an act of Congress in 2000 andoverseen by the U.S. Office inate an individual’s reliance on a loved of Personnel Management (OPM), the FLTCIPis designed to meetthe specific these importantbenefits: term care insurance under the FLTCIP one to provide hands-oncare. Consider + The FLTCIPoffers coverage in a vari- ety of settings—at homeorin facility, such as an assistedliving facility, an adult daycare,or a nursing center— andyour choice ofcaregiver. If homecare is your preference, the stay-at-homebenefit includes a range of services that support care in your needs of the federal family. The long provides industry-leading benefits and offers flexible optionsthat allow enrolleestotailor coverage to meettheir needs. The FLTCIP is sponsored by the US. Office of Personnel Management, insured by John HancockLife & Health Insurance Company, and administered by Long Term CarePartners, LLC. “Centersfor Disease Control and Prevention. “Long-Term Care Services in the United States” wwwcdcgov/nchs/data/nsltep/ long_term_careservices2013,pd(accesed September 2017).
