Is the Federal Long-Term Care Insurance Program still accepting applications?
No. The U.S. Office of Personnel Management suspended new FLTCIP applications on December 19, 2022, and has extended the suspension through December 19, 2026. During the suspension, no new applicants can enroll and current enrollees cannot increase their coverage.
No — not right now. OPM suspended new applications to the Federal Long-Term Care Insurance Program effective December 19, 2022, and has since extended that suspension through December 19, 2026.
During the suspension:
- No new applicants can enroll.
- Current enrollees keep their coverage but generally cannot apply to increase it.
OPM has pointed to long-term care insurance market conditions as the reason. The suspension could be ended early or extended again, so check OPM.gov or LTCFEDS.gov for the current status before relying on this date.
If you are a federal employee who wants coverage now, private carriers remain an option — an independent agent can compare what is available to you.
General information only. This is educational and not insurance, legal, tax, or financial advice. Rules and products vary and change — confirm the specifics with a licensed professional.
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