A Brief Email Exchange From September 2009 

LTC Tree,
I have been told that I can get long term health care insurance from the group Federal Long Term Care Insurance plan at a reduced premium because I am a Federal employee.   That is what I am currently looking into.  If you know anything about this let me know.
Regards,
Our Client

Good Morning Mrs. Client,
Sure, we help Fed employees save money in many cases when comparing the group long term care plan.  The Fed LTC plan is a good option for people with poor health because it's easier to qualify for during open enrollment than an individual long term care plan.  However, if you have good health you can typically get more benefits for less money. Often with the same company or another blue-chip carrier if you go outside the Federal long term care insurance group plan. 

The reason being is in the whole Federal Employee system you have people with good health and people with bad health.  For the people with good health they are being grouped in with people with aliments such as diabetes, osteoporosis, cancer, etc.  For the Federal LTC group to make money they have to charge everyone more money.  An example of this, are some of the people who bought the Fed plan in the past are receiving a rate increases on March 1st of 2010.  To read the exact details about the Federal Long Term Care Insurance group plan rate increase please visit their site found here.

I'd get an individual plan if I were in your shoes and use your good health to your advantage.  Once you have the actual Fed quotes in hand just let me know the exact benefits and I'll send you a comparison that will probably save you money and potentially get you more stable future rates.  We don't have better rates than the Fed all the time, but the majority of our clients are able to get more benefits for  less money if they buy an individual long term care insurance plan.  We're happy to help in anyway, so just let me know if you have any questions. 
Sincerely,
LTC Tree