The federal long term care insurance program (FLTCIP) is a voluntary insurance program administered by the U.S. Office of Personnel Management (OPM). It is designed to help federal employees, retirees, and their qualified relatives in planning for their long term care needs. Long term care refers to the range of services and support needed by individuals who have chronic illnesses or disabilities and are unable to perform daily activities on their own. The FLTCIP offers coverage for a variety of long term care services, including nursing home care, assisted living, and home care. It provides financial protection for the high costs associated with long term care, which are not typically covered by health insurance or Medicare. Participants in the program pay premiums based on their age and selected coverage options. The FLTCIP offers flexible plans and benefits, allowing individuals to customize their coverage to meet their specific needs. It is important for individuals to carefully review the details of the program and consider their long term care needs before enrolling in the FLTCIP.