Your Family

Coverage Designed to Fit Your Situation

Public Service, Government, Military, Veterans

Agape Long Term Care can assist with coverage in many Public Service positions. For details and information on any of these plans, please contact us.

Veteran's Programs

The Department of Veteran's Affairs (VA) provides care in its own facilities to veterans in need of skilled or intermediate nursing care. The VA also provides both skilled and intermediate care to veterans through contracts with community nursing homes. Beds are available to all veterans on a space-available basis. Contact your local VA office for more information.

Federal Long Term Care Program

The Federal Long Term Care Insurance Program provides Long Term Care Insurance (LTCI) to help pay for costs of care when you need help with activities you perform every day, or you have a severe cognitive impairment, such as Alzheimer's disease. Over 20 million members of the Federal Family can apply for the insurance offered in this Program.

Long Term Care Partners Web Site

They contracted with John Hancock to provide this insurance.  A company called Long Term Care Partners, LLC administers the Program. The Long Term Care Partners web site contains extensive information on the Program, online and downloadable applications, and a calculator that you can use to find out how much the insurance will cost, based on your age and the benefits you choose.

Who Can Apply for this Insurance?

Approximately 20 million people are eligible to apply for this insurance, including Federal and Postal employees and annuitants, active and retired members of the uniformed services, their qualified relatives and a few other eligible groups.

Advantages of the Federal Program

There are many long term care insurance plans available in the marketplace. Each offers a unique combination of benefits and pricing structure, making side-by-side comparisons difficult. Why should you consider the Federal Program? You need to get below the surface and compare details. And don't be fooled by other plans claiming to be the Federal program — this is the only Congressionally authorized long term care insurance program for current and retired Federal government employees and their families. Here is information on the advantages of the Federal Program.


For nearly 90 years, TIAA-CREF has been helping those in the academic, medical, cultural and research fields plan for and live in retirement. They do this with a full array of financial products and services to help clients live to and through retirement and invest for life's other goals along the way. In keeping with their strong nonprofit heritage, they offer low fees, a long-term approach to investing, and a full line of financial products and services provided by consultants who never receive commissions. Instead, they are compensated primarily on how well they serve clients, not what they sell to them.

TIAA-CREF has contracted with MetLife to provide long term care insurance to its members.


CalPERS offers a comprehensive program of long-term care benefits to help you plan for the high cost of long-term care services. The CalPERS Long-Term Care Program is the largest self-funded program of its kind and is designed specifically for California public employees, retirees, and their extended family members.

All California public employees, retirees, their spouses, parents, parents-in-law, and adult siblings are eligible for the CalPERS Long-Term Care Program. Those eligible to apply must be between the ages of 18 to 79. This includes members of CalPERS, teachers, school employees, University of California, and California State University employees and retirees, county and city employees and retirees, judges, legislators, and all other California public employees and retirees. Members of the Program can receive benefits anywhere in the nation.