Updated November 13, 2024

Important: Announcement of Extension of Suspension Period for Federal Long Term Care Insurance Program Applicants

The U.S. Office of Personnel Management (OPM) extended the suspension of applications for coverage under the Federal Long Term Care Insurance Program (FLTCIP), effective December 19, 2024.

OPM originally suspended applications for coverage under the FLTCIP for 24 months. effective December 19, 2022. This was done to allow OPM and the FLTCIP carrier, John Hancock Life & Health Insurance Company, the time to thoroughly assess benefit offerings and establish sustainable premium rates that reasonably and equitably reflect the cost of the benefits provided, as required under 5 U.S.C. 9003(b)(2). OPM has determined that an extension of the suspension period is in the best interest of the program due to ongoing volatility in long term care costs and a diminished insurance market undermining the ability to do this.

OPM published a Federal Register Notice of Suspension, effective December 19, 2024, extending the current suspension period expiring on that date, pursuant to 5 CFR 875.110(d). The suspension will remain in effect for 24 months, unless OPM issues a subsequent notice to end or extend the suspension period. This means that while the suspension is in effect, individuals not currently enrolled may not apply for coverage, and current enrollees may not apply to increase their coverage.

The enrollment status or benefit eligibility of current enrollees will not change due to the suspension. For those in a claim status, there will be no change to your coverage or the claims reimbursement process.