Title 5, Government Organization and EmployeesRelease 119-110

§9008 Administrative Functions

Title 5 › PART III — EMPLOYEES › Subpart G — Insurance and Annuities › CHAPTER 90 — LONG-TERM CARE INSURANCE › § 9008

Last updated Sep 22, 2026|Official source

Summary

The Office of Personnel Management must write the rules needed to run the long-term care program. It must hold regular, coordinated enrollment, promotion, and education efforts with the insurance carriers. For certain eligible people named in another part of the law, the Office must make those special rules after talking with the appropriate Secretary. The Office must also give each applicant clear information to help them decide. That includes the main benefits and how they compare to other long-term care options; example costs and how inflation will affect benefits; rights to cancel and get full or partial refunds; an estimate of how many people might stop paying for coverage; how and when premiums can be raised; the premium history for each qualified carrier for the last 10 years; projected future premiums if costs rise; and how long-term care insurance compares to other ways to save, like tax-qualified retirement plans or other investments.

Full Legal Text

Title 5, §9008

Government Organization and Employees, Source: USLM XML via OLRC

(a)In General.—
The Office of Personnel Management shall prescribe regulations necessary to carry out this chapter.
(b)Enrollment Periods.—
The Office shall provide for periodic coordinated enrollment, promotion, and education efforts in consultation with the carriers.
(c)Consultation.—
Any regulations necessary to effect the application and operation of this chapter with respect to an eligible individual described in paragraph (3) or (4) of section 9001, or a qualified relative thereof, shall be prescribed by the Office in consultation with the appropriate Secretary.
(d)Informed Decisionmaking.—
The Office shall ensure that each eligible individual applying for long-term care insurance under this chapter is furnished the information necessary to enable that individual to evaluate the advantages and disadvantages of obtaining long-term care insurance under this chapter, including the following:
(1)The principal long-term care benefits and coverage available under this chapter, and how those benefits and coverage compare to the range of long-term care benefits and coverage otherwise generally available.
(2)Representative examples of the cost of long-term care, and the sufficiency of the benefits available under this chapter relative to those costs. The information under this paragraph shall also include—
(A)the projected effect of inflation on the value of those benefits; and
(B)a comparison of the inflation-adjusted value of those benefits to the projected future costs of long-term care.
(3)Any rights individuals under this chapter may have to cancel coverage, and to receive a total or partial refund of premiums. The information under this paragraph shall also include—
(A)the projected number or percentage of individuals likely to fail to maintain their coverage (determined based on lapse rates experienced under similar group long-term care insurance programs and, when available, this chapter); and
(B)(i)a summary description of how and when premiums for long-term care insurance under this chapter may be raised;
(ii)the premium history during the last 10 years for each qualified carrier offering long-term care insurance under this chapter; and
(iii)if cost increases are anticipated, the projected premiums for a typical insured individual at various ages.
(4)The advantages and disadvantages of long-term care insurance generally, relative to other means of accumulating or otherwise acquiring the assets that may be needed to meet the costs of long-term care, such as through tax-qualified retirement programs or other investment vehicles.

Reference

Citations & Metadata

Citation

5 U.S.C. § 9008

Title 5, Government Organization and Employees

Last Updated

Sep 22, 2026

Release point: 119-110