Active-duty servicemembers, some Reservists, appropriated-fund civilian employees, retirees and qualified family members can still apply for the Federal Long-Term Care Insurance Program (FLTCIP). The program can help federal employees defray the costs of in-home care, nursing-home care, or assisted-living facilities for people no longer able to perform normal daily activities because of chronic-health conditions. The FLTCIP is the largest program in the nation. It is sponsored by the Office of Personnel Management and provides affordable group premiums and comprehensive benefits. Premiums are based on applicant's age, so the sooner people apply, the smaller premium they will pay. Once enrolled, coverage will not be canceled as long as premiums are paid on time and coverage cannot be canceled due to age or a change in health. For more information, call 1-800-582-3337, TTY 1-800-843-3557, or visit the website at: http://www.ltcfeds.com/