Federal Long Term Care Insurance Program[FLTCIP] Law and Legal Definition

The Federal Long Term Care Insurance Program (FLTCIP) is a federal initiative offering insurance to an employee who is unable to care for himself/herself. The FLTCIP is an insurance program established under the Long Term Care Security Act.[Gunson v. James, 364 F. Supp. 2d 455 (D.N.J. 2005)]

The FLTCIP provides long term care insurance program for current and retired federal government employees and their families. Premiums are based on employee's age at the time when an insurance is purchased as well as the choices made about the amount of the benefit, length of the policy, the waiting period, and the type of inflation protection selected.