The Federal Long-Term Care Insurance Program is designed to reimburse for long-term care services at home or in a facility such as assisted living, adult day care or a nursing center. Qualified relatives of federally-employed individuals or retirees can apply even if the employee they are related to does not. The broad eligibility list includes spouses and same-sex domestic partners, parents and parents-in-law, and adult children older than 18. For more information, call 800-LTC-FEDS (800-582-3337) to speak with a program consultant. You can also register for an upcoming webinar or view on-demand topics at https://www.ltcfeds.com/meet_us/webinars.html. You can apply to find out if you qualify for long-term care coverage at the Federal Long-Term Care Insurance website.

For more on insurance options and insurance tips, visit the Military.com Insurance section.