Long-Term Care Benefits for Uniformed Service Members: Secure Your Future and Protect Your Retirement

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A long-term care event can happen at any age, and the potential financial and emotional strain that comes with it can have an impact on you, your family and your loved ones.

Did you know millions of Americans require long-term care during their lifetime1, which includes the need for either cognitive or physical assistance with simple tasks such as bathing, eating, and dressing -- trivial things most of us do every day without a second thought? Unfortunately, traditional health insurance -- including Tricare and Tricare For Life -- does not pay for the ongoing assistance with daily living that is most often associated with long-term care.

As a member of the uniformed services, you are entitled to apply for benefits provided by the Department of Veterans Affairs (VA), though several factors come into play when determining eligibility. Eligibility is tied to specific triggers, including service-connected disability, available funding and even your ability to contribute to the cost of care.

Long-term care can be expensive, and service members often rely on the VA to cover the associated costs. Depending on your eligibility status in the VA program, the level of coverage available to you may not be enough. For this reason, you may also want to research standalone long-term care insurance like a plan offered through the Federal Long Term Care Insurance Program (FLTCIP).

With benefits designed specifically for the federal family, the FLTCIP offers a good way to help protect your savings and assets should you or your loved ones need long-term care services someday.

Since its launch in 2002, the FLTCIP has offered active and retired members of the uniformed services the opportunity to help take control of their future long-term care needs. Designed to provide solutions for a range of financial situations, this employer-sponsored program has grown to be the most successful and utilized program of its kind, providing comprehensive coverage for more than 268,000 enrollees. 

Many members of the federal family are eligible to apply for coverage under the FLTCIP, including active and retired members of the uniformed services. Certain family members, or qualified relatives, are also eligible to apply even if you do not. Qualified relatives include your spouse, domestic partner, parents and parents-in-law, and adult children.

Visit LTCFEDS.com/military for details about services covered under this group policy to better understand your long-term care insurance options and which FLTICP plan may be right for you.

Get the Coverage Your Family Needs

FSGLI, TSGLI, VGLI, SGLI ... the long list of acronyms and bare minimums may not be enough to cover your family's needs. Explore life insurance options with our free tool, which compares rates and matches you to the coverage you want.


1. Centers for Disease Control and Prevention. “Long Term Care Services in the United States: 2013 Overview,” www.cdc.gov/nchs/data/nsltcp/long_term_care_services_2013.pdf (accessed July 2019).


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