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Long Term Care Health Care

The Federal Long Term Care Insurance Program provides insurance coverage to help pay for the costs of care when enrollees need help with activities they perform every day, or have a severe cognitive impairment, such as Alzheimer's disease. 

At any time in your life you may need long-term care, but it’s particularly important as you age when you are at risk for injuries, heart attack, stroke or other serious health issues.

People often confuse long term care with disability or short-term medical care such as recuperation after surgery or short-term rehabilitation after surgery or an injury. Long-term care is intended for chronic care that you might need for a number of years or for the rest of your life. You can receive long term care in your own home, a nursing home or another long term care facility, such as an assisted living facility.

Who is Eligible?

  • Federal employees and their spouses;
  • Federal annuitants and their spouses;
  • Same-sex domestic partners of Federal or U.S. Postal Service employees or annuitants who have submitted (either directly or through their partner) a form affirming this status to the partner’s employing agency or retirement system. This does not include a same-sex domestic partner of an active or retired member of the uniformed services;
  • Surviving spouses of active and retired members of the uniformed services who are receiving a Federal survivor annuity or who received a basic employee death benefit under the Federal Employees Retirement System. Your qualified relatives are also eligible to apply.

For more information about this program including eligibility, enrollment information visit the Office of Personnel Management’s web site or the long term care partner’s website.

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