Long-term care (LTC) is a variety of services which ass help meet both the medical and non-medical need of people with a chronic illness or disability who cannot care for themselves for long periods of time.
Frequently Asked Questions
Answers to many questions about the
Long-term care Program
The Federal Long Term Care Insurance Program was designed specifically for
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members of the Federal Family. It is sponsored by the Federal Government and
backed by two of the country's top insurance companies. The Federal Program is
designed to help protect enrollees against the high costs of long term care.
Personal access to registered nurse care coordinators, and home care provisions
are just a few of the reasons why the Federal Program may be the smart choice
for you.
Who Can Apply for this Insurance
Approximately 20 million people are
eligible to apply for this insurance, including Federal and Postal employees and
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annuitants, active and retired members of the uniformed services, their
qualified relatives and a few other eligible groups.
Advantages of the Federal Program
There are many long term care insurance
plans available in the marketplace. Each offers a unique combination of benefits
and pricing structure, making side-by-side comparisons difficult. Why should you
consider our Program? You need to get below the surface and compare details. And
don't be video
fooled by other plans claiming to be the Federal program — this is the
only Congressionally authorized long term care insurance program for current and
retired Federal government employees and their families.
The Basics of Long Term Care and Long Term Care
Insurance
More than 70% of us who live to retirement
age will need long term care at some time in our lives. But, what is pleasure
long term
care and how do we know if we need long term care insurance?
The Long-Term Care Program is the nation's only voluntary,
self-funded, not-for-profit long-term care program. The program helps you, as
well as your family members, protect your assets and lifestyles against the
catastrophic costs of long-term care.
You are eligible to apply if you are a California public employee,
schoolteacher, retiree, or annuitant. Your spouses, parents, parents-in-law, and
adult siblings are also eligible for coverage.