• White House Announces Changes to Immigration Proceedings

    White House Announces Changes to Immigration Proceedings

    The White House announced Wednesday a new regulation for handling migrants at the southern border. The new regulation would terminate the Flores settlement, which has been widely accepted as the precedent for handling children at the border and prevents children from being held for more than twenty days.

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Retirement: What’s Your Plan?

With increased longevity and medical advancements, many Federal employees are concerned about the possibility of outliving their savings.

And when it comes to retirement, you want to enjoy it—and that means you want to be prepared. There are many considerations to think about in retirement besides your living expenses, such as where you live, family support, your health, and the rising costs of care. That's why it's so important to plan now for any long term care you may need.

Long term care is the ongoing care you need if you can no longer perform everyday tasks by yourself due to chronic illness, injury, disability, or the aging process. This type of care is expensive, and is generally not covered by traditional types of insurance plans or Medicare.

One common misconception about long term care is that it is primarily nursing home care. Actually, most long term care is provided at home, and friends and family are often the first people called upon to provide care.

Assuming the role of caregiver can have a significant financial and emotional impact. Without support or assistance, these caregivers can suffer from depression, lost wages, physical injury, and disrupted personal relationships. Many are pulled in two directions, caring for both their children and their parents, which can be an incredible challenge.

Planning for long term care can be unpleasant. But considering the high costs of care and the toll on family caregivers, it's essential to consider your options should the need arise.

Face the future with confidence

Long term care insurance, such as the Federal Long Term Care Insurance Program (FLTCIP), may be a smart way to help protect everything you've worked for, during your retirement.

Since 2002, the FLTCIP has offered Federal employees and annuitants the opportunity to take control of their future long term care needs by applying for long term care insurance. Designed to be both comprehensive and flexible, the FLTCIP covers a range of caregivers and settings.

Your choice of caregiver and setting

Today, many individuals prefer to remain at home, rather than receive long term care in a facility, such as an assisted living facility or a nursing home. The FLTCIP includes services that support care in your home, helping you maintain your quality of life in familiar surroundings.

The FLTCIP covers approved care provided at home by informal caregivers such as friends, family members, and other private caregivers, as well as formal care by licensed caregivers. Informal caregivers cannot have lived with you at the time you became eligible for benefits, but they can live in your home after you become eligible. Having such coverage helps spouses maintain their current lifestyle and minimizes the financial and emotional sacrifices adult children are often asked to make when a long term care event occurs.

The FLTCIP's stay-at-home benefit can help you remain at home safely and maintain your quality of life. Valuable covered services may include care-planning visits, modifications to your home, an emergency medical response system, durable medical equipment, caregiver training (training an informal caregiver to perform personal care services at the enrollee's home), and home safety checks.

As you consider long term care insurance and enrolling in the FLTCIP, think about how you would like to receive care and by whom. Keep in mind that even when home care is provided by a licensed caregiver, a small amount of informal assistance can often make the difference in whether you are able to stay at home or need to move to a facility setting. And being able to reimburse your informal caregiver can sometimes make the difference in whether he or she is able to provide the care you need.

Plan ahead today

Visit LTCFEDS.com to learn more about your long term care insurance options and which FLTCIP plan may be right for you.

Note: It’s important that you apply for long term care insurance when you are in good health. Certain medical conditions, or combinations of conditions, will prevent some people from being approved for coverage. You need to apply to find out if you qualify for coverage under the FLTCIP.

This Week on FEDtalk

The Importance of Whistleblower Protection

Tune in to FEDtalk this week for a discussion on the importance of whistleblower protection. Whistleblowers play a key role in ensuring oversight and accountability within the federal government. Leading whistleblower advocates will break down current whistleblower protections, gaps in public policy, and a path for enhancing protections.

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Hear it from FLEOA

FLEOA Encourages Passage of EAGLES Act Following Wave of Mass Public Violence

Nathan Catura, President of the Federal Law Enforcement Officers Association (FLEOA), the nation’s largest non-partisan, not-for-profit professional association representing more than 27,000 federal law enforcement officers and agents across 65 federal agencies, today issued the following statement in support of the EAGLES Act.

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