Federal retirement expert, Chris Kowalik, discusses who is eligible for the FLTIP 3.0 version, what options 1.0 and 2.0 participants have, changes in the benefit periods and inflation protection options, and the premium stabilization feature more…
FLTCIP (Federal Long Term Care Insurance Program)
New Long-Term Care Insurance Plan Option Announced by OPM
The new plan includes a premium stabilization fund designed to reduce future spikes in premium increases. A guide booklet is available. more…
Federal Employees Should Explore Alternatives for Paying Future Long-Term Care Expenses (Part II)
Soaring premiums for stand-alone LTC policies in recent years have caused individuals to seek options. Federal benefits expert, Ed Zurndorfer, discusses combined life insurance and long-term care insurance policies — and the pros and cons of this alternative more…
Federal Employees Should Explore Alternatives for Paying Future Long-Term Care Expenses (Part I)
Today’s and future retirees face extended life expectancies and rising costs for nursing home stays, assisted living facilities and home health care. Federal benefits expert Ed Zurndorfer discusses the alternatives for stand-alone LTC insurance policies — including a combination fixed annuity with payouts for long-term expenses more…