Long Term Care

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NEW!….OPM has announced the 2016 rate increase for the Federal Long Term Care Insurance Program(FLTCIP).

While the average rate increase is 83%, many policy holders will see an increase of 126%.

In 2009, FLTCIP 2.0 included rate increases of 25% for most existing policy holders who w ere age 65 or younger when they purchased the plan. Rates for most new applicants under age 66 were increased 35%. The new plan included one major benefit enhancement, 100% home care after a 90 day elimination period and some minor enhancements concerning maximum limits.

As with our life insurance comparisons, we offer federal employees the most comprehensive and informative LTCi comparisons in the country. You will be able to compare the FLTCIP plan with the top six carriers in the industry, Mutual of Omaha, Genworth, New York Life, John Hancock, MetLife and Prudential. The comparison will not be a rough estimate but an exact comparison based on your personal profile and policy design.

You may be surprised to learn that it is possible for healthy federal employees to increase their long term care coverage and reduce their costs.

Due to couples’ discounts of 20-30%, zero day home care deductibles and “shared care” plans which allow couples to share unused benefits, healthy couples can substantially increase their coverage while reducing their cost!

None of these options are available under the government’s FLTCIP plan.

NEW!….stand alone supplemental home health care insurance policy which can offset the 90 day waiting period for home care under FLTCIP. If you currently have a $200/day policy, that’s the equivalent of an $18,000 home care deductible…..we can cover that deductible! This home care insurance supplement is near-guaranteed issue …..only two questions…issued in only 3-5 days…and available in most states.

NEW!……ask about our new $500,000 lump sum policy……available in most states.

If you, your parents or your friends have been declined for Long Term Care Insurance, give us a call…..we can help! We have new plans that can offer extremely comprehensive LTC coverage for those with significant medical concerns. In many cases, these new plans are virtually guaranteed issue!

In many cases, you can purchase long term care insurance with the savings realized from the allFeds.com life insurance comparison to FEGLI Option “B”. In other words, it’s possible that you may be able to purchase guaranteed life insurance and Long Term Care insurance for the same or less than the cost of your current FEGLI Option ”B”. The process is free and the savings could be substantial.

Unlike the life insurance comparisons on the home page, and due to the complicated nature of the quotes, LTCi comparisons are not available using online quotes. For your free, personalized quote, please complete the brief request form below and we will contact you within two days to complete the information required to generate your comprehensive comparison.

Links of interest:

Cost of care in your area

Long Term Care Basics

If you have any questions or concerns, please feel free to give us a call at 1-888-330-1790.