Attachment_3_-_Current_Enrollees_and_Premiums_By_Issue_Age_-_FLTCIP_1.0.pdf

Current Enrollees and Premiums

By Issue Age

FLTCIP 1.0

Number of Active Enrollees as of Sept 30, 2014

Comprehensive & Facilities-Only Plans*

3 Year 5 Year Unlimited

ACI

FPO

ACI

FPO

ACI

FPO

Issue Age 4% 5% 4% 5% 4% 5%

<33 66 463 243 59 254 216 135 657 647

33-37 104 633 290 85 522 335 148 920 665

38-42 306 1,462 589 269 1,374 748 355 1,733 1,104

43-47 737 2,718 1,195 653 2,535 1,473 607 2,571 1,507

48-52 1,868 4,656 2,415 1,444 4,345 2,611 1,081 3,202 1,988

53-57 3,432 6,012 3,918 2,267 4,905 3,493 1,340 3,158 2,216

58-62 3,988 5,621 4,627 2,237 3,244 3,094 1,152 2,074 1,873

63-67 3,530 4,074 4,990 1,339 1,702 2,453 821 1,019 1,472

68-72 552 4,020 4,242 157 1,151 1,637 81 672 791

73-77 11 1,224 1,876 5 242 475 0 103 155

78+ 3 320 723 0 59 155 0 21 52

Total 14,597 31,203 25,108 8,515 20,333 16,690 5,720 16,130 12,470

Average Daily Maximum Benefit at Issue as of Sept 30, 2014

ACI

FPO

ACI

FPO

Issue Age 4% 5% 4% 5% 4% 5%

<33 $101 $103 $106 $148 $148 $160 $148 $150 $159

33-37 $113 $106 $110 $149 $148 $164 $144 $153 $161

38-42 $112 $107 $112 $149 $148 $163 $147 $150 $162

43-47 $112 $109 $116 $142 $146 $164 $148 $152 $160

48-52 $114 $110 $117 $144 $146 $163 $148 $148 $160

53-57 $113 $110 $117 $141 $143 $157 $141 $147 $155

58-62 $112 $109 $112 $140 $141 $153 $139 $144 $152

63-67 $108 $107 $110 $139 $141 $146 $138 $141 $146

68-72 $106 $105 $108 $137 $139 $143 $138 $138 $142

73-77 $107 $102 $107 $155 $131 $137 $0 $130 $128

78+ $83 $102 $102 $0 $129 $130 $0 $120 $128

Average $107 $106 $111 $145 $142 $153 $144 $143 $150

*Excludes Nonstandard plan enrollees

There are 365 Nonstandard FLTCIP 1.0 enrollees as of Sept 30, 2014

By Issue Age

FLTCIP 2.0

Comprehensive*

2 Year 3 Year 5 Year Unlimited

ACI

FPO

ACI

FPO

ACI

FPO

Issue Age 4% 5% 4% 5% 4% 5% 4% 5%

<33 333 17 196 532 112 178 330 151 231 470 89 388

33-37 322 24 162 672 207 221 483 245 279 524 80 381

38-42 502 34 220 1,447 395 420 1,066 556 534 1,023 132 525

43-47 935 62 357 2,791 856 705 2,118 973 848 1,524 171 683

48-52 1,606 118 654 5,938 1,421 1,383 4,205 1,586 1,528 2,452 238 889

53-57 2,181 158 958 9,087 1,721 2,047 5,740 1,748 1,850 2,724 206 908

58-62 2,063 158 1,010 7,848 1,440 2,303 4,030 1,136 1,588 1,690 134 719

63-67 986 84 635 4,058 792 1,824 1,697 482 949 744 54 426

68-72 455 31 305 1,752 408 840 618 175 331 285 26 143

73-77 121 4 119 432 93 265 112 39 77 56 3 39

78+ 29 0 54 86 17 87 21 3 18 10 0 7

Total 9,533 690 4,670 34,643 7,462 10,273 20,420 7,094 8,233 11,502 1,133 5,108

Average Daily Maximum Benefit at Issue as of Sept 30, 2014

ACI

FPO

ACI

FPO

ACI

FPO

Issue Age 4% 5% 4% 5% 4% 5% 4% 5%

<33 $144 $156 $150 $159 $137 $171 $181 $194 $215 $170 $211 $210

33-37 $146 $156 $151 $154 $137 $177 $176 $176 $209 $164 $229 $211

38-42 $145 $165 $149 $156 $141 $168 $173 $173 $208 $162 $191 $211

43-47 $144 $174 $155 $150 $137 $169 $169 $173 $205 $159 $193 $205

48-52 $147 $167 $165 $148 $142 $171 $163 $170 $205 $155 $190 $206

53-57 $147 $164 $157 $142 $142 $172 $158 $169 $198 $150 $181 $191

58-62 $148 $160 $157 $142 $141 $170 $157 $168 $194 $148 $182 $184

63-67 $142 $154 $152 $134 $134 $164 $155 $162 $185 $144 $188 $179

68-72 $129 $155 $141 $124 $125 $148 $149 $152 $168 $145 $183 $170

73-77 $117 $138 $140 $114 $120 $129 $139 $144 $147 $136 $183 $166

78+ $103 $0 $120 $107 $112 $125 $140 $150 $168 $133 $0 $114

Average $138 $159 $149 $139 $133 $160 $160 $166 $191 $151 $193 $186

There are 173 Nonstandard FLTCIP 2.0 enrollees as of Sept 30, 2014

By Attained Age

Attained ACI

FPO

ACI

FPO

ACI

FPO

Age 4% 5% 4% 5% 4% 5% <33 5 64 35 4 13 19 19 56 101

33-37 18 126 72 9 55 52 35 151 175

38-42 35 196 108 31 120 87 57 357 300

43-47 76 498 185 67 332 239 139 699 500

48-52 193 1,022 455 176 926 521 286 1,380 919

53-57 492 2,097 851 454 1,964 1,080 517 2,274 1,314

58-62 1,362 3,786 1,789 1,037 3,570 2,024 885 2,963 1,743

63-67 2,851 5,713 3,348 2,189 5,058 3,330 1,335 3,332 2,313

68-72 3,960 5,901 4,385 2,354 4,063 3,456 1,229 2,514 1,989

73-77 3,695 4,505 4,874 1,593 2,181 2,745 911 1,291 1,640

78-82 1,887 4,022 4,735 596 1,341 1,952 305 771 1,049

83+ 23 3,273 4,271 5 710 1,185 2 342 427

Total 14,597 31,203 25,108 8,515 20,333 16,690 5,720 16,130 12,470

Current Average Daily Maximum Benefit as of Sept 30, 2014

3 Year 5 Year Unlimited

Attained ACI

FPO

ACI

FPO

ACI

FPO

Age 4% 5% 4% 5% 4% 5% <33 $175 $140 $133 $208 $239 $196 $252 $215 $212

33-37 $186 $152 $136 $235 $234 $213 $249 $213 $216 38-42 $171 $159 $153 $273 $226 $220 $263 $238 $215 43-47 $186 $167 $159 $262 $237 $231 $254 $240 $219 48-52 $189 $174 $160 $253 $244 $234 $247 $247 $227 53-57 $193 $179 $165 $249 $244 $237 $249 $246 $224 58-62 $190 $182 $170 $244 $244 $234 $243 $247 $227 63-67 $187 $184 $170 $234 $243 $228 $234 $243 $219 68-72 $181 $184 $163 $225 $239 $216 $223 $243 $210 73-77 $176 $180 $155 $225 $235 $203 $220 $235 $200 78-82 $176 $178 $147 $228 $235 $193 $226 $231 $190 83+ $136 $175 $137 $193 $229 $178 $186 $228 $169

Average $179 $171 $154 $236 $237 $215 $237 $235 $211

There are 365 Nonstandard FLTCIP 1.0 enrollees as of Sept 30, 2014

By Attained Age

Attained ACI

FPO

ACI

FPO

ACI

FPO

ACI

FPO

Age 4% 5% 4% 5% 4% 5% 4% 5%

<33 160 9 100 185 30 68 116 37 94 121 39 136

33-37 242 17 149 427 57 157 242 100 190 273 62 282

38-42 342 27 162 598 129 215 409 160 274 349 83 319

43-47 566 33 245 1,297 265 413 823 355 507 688 135 456

48-52 965 76 411 2,438 577 705 1,515 699 833 1,072 171 658

53-57 1,651 128 725 4,579 1,065 1,340 2,629 1,175 1,356 1,514 227 821

58-62 2,164 166 972 6,718 1,490 1,934 3,714 1,556 1,584 2,156 208 858

63-67 1,862 142 939 7,280 1,497 2,239 4,766 1,404 1,648 2,444 116 750

68-72 835 64 531 5,367 1,106 1,549 3,641 948 1,069 1,658 65 482

73-77 365 26 229 3,137 663 823 1,666 424 437 778 23 222

78-82 207 2 108 1,694 377 482 658 167 161 314 4 95

83+ 174 0 99 923 206 348 241 69 80 135 0 29

Total 9,533 690 4,670 34,643 7,462 10,273 20,420 7,094 8,233 11,502 1,133 5,108

Current Average Daily Maximum Benefit as of Sept 30, 2014

2 Year 3 Year 5 Year Unlimited

Attained ACI

FPO

ACI

FPO

ACI

FPO

ACI

FPO

Age 4% 5% 4% 5% 4% 5% 4% 5%

<33 $154 $167 $151 $181 $181 $185 $207 $236 $227 $200 $236 $238

33-37 $164 $174 $156 $188 $191 $184 $210 $237 $225 $210 $260 $229

38-42 $164 $188 $154 $191 $193 $189 $215 $229 $222 $206 $251 $231

43-47 $164 $173 $157 $191 $202 $187 $217 $234 $224 $212 $221 $235

48-52 $167 $198 $166 $191 $198 $193 $217 $237 $227 $213 $229 $233

53-57 $169 $190 $168 $190 $198 $188 $215 $238 $224 $213 $229 $225

58-62 $168 $188 $162 $185 $193 $188 $216 $239 $217 $217 $217 $210

63-67 $167 $185 $160 $183 $193 $182 $223 $238 $210 $221 $224 $198

68-72 $159 $183 $152 $180 $187 $174 $225 $241 $200 $223 $228 $195

73-77 $155 $173 $138 $178 $185 $157 $224 $234 $186 $227 $224 $186

78-82 $133 $148 $124 $174 $181 $146 $222 $234 $172 $223 $232 $181

83+ $118 $0 $99 $171 $178 $130 $221 $218 $164 $219 $0 $149

Average $157 $179 $149 $183 $190 $175 $218 $235 $208 $215 $232 $209

There are 173 Nonstandard FLTCIP 2.0 enrollees as of Sept 30, 2014

By State/Territory and Gender

Enrollees as of Sept 30, 2014 State Female Male Total State Female Male Total

AK 589 536 1,125 NC 4,138 3,194 7,332

AL 3,373 2,573 5,946 ND 277 231 508

AR 904 713 1,617 NE 814 691 1,505

AZ 2,932 2,333 5,265 NH 600 563 1,163

CA 11,514 9,483 20,997 NJ 2,253 1,989 4,242

CO 3,782 3,158 6,940 NM 1,446 1,118 2,564

CT 518 468 986 NV 1,030 902 1,932

DC 2,860 2,175 5,035 NY 2,992 2,509 5,501

DE 585 434 1,019 OH 3,224 2,667 5,891

FL 7,968 6,427 14,395 OK 1,840 1,394 3,234

GA 4,809 3,420 8,229 OR 1,882 1,634 3,516

GU 43 46 89 PA 3,943 3,405 7,348

HI 2,171 2,069 4,240 PR 148 111 259

IA 903 771 1,674 RI 310 297 607

ID 743 672 1,415 SC 2,115 1,610 3,725

IL 3,586 2,809 6,395 SD 497 440 937

IN 1,353 1,109 2,462 TN 2,781 2,167 4,948

KS 1,529 1,254 2,783 TX 9,016 6,937 15,953

KY 1,337 1,012 2,349 UT 928 813 1,741

LA 1,166 862 2,028 VA 20,659 17,178 37,837

MA 1,819 1,561 3,380 VI 33 23 56

MD 19,101 14,438 33,539 VT 229 213 442

ME 562 482 1,044 WA 3,984 3,554 7,538

MI 1,717 1,385 3,102 WI 1,214 1,013 2,227

MN 1,444 1,250 2,694 WV 887 693 1,580

MO 2,756 2,083 4,839 WY 272 233 505

MP 3 1 4 Other* 1,012 1,029 2,041 MS 1,119 794 1,913 Unknown 72 77 149

MT 679 601 1,280 Total 150,461 121,604 272,065

*Other includes enrollees in Freely Associated States and foreign countries

Plan Distribution of Enrollees as of September 2014

Plan Benefit % of Enrollees

Benefit Type Comprehensive 93% Facilities-Only 7%

Inflation Protection 4% Inflation Option 39% 5% Inflation Option 31% Future Purchase Option 30% Non-Standard Option Less Than 1%

Waiting Period 30 Service Day Waiting Period 8% 90 Service Day Waiting Period 47% 90 Calendar Day Waiting Period 44% Other Less Than 1%

Benefit Frequency Daily Benefit 93% Weekly Benefit 7%

Affiliation at Time of Application Employee 52% Spouse of Employee 17% Retiree/Spouses of Retiree 27% Other Qualified Applicant 4%

FLTCIP Eligible Population Information

Civilian Employees:

http://www.opm.gov/feddata/index.htm

Civilian Annuitants:

http://www.fedbens.us/Retire_Stats.pdf

Military Employees and Annuitants:

http://actuary.defense.gov http://www.opm.gov/feddata/index.htm http://www.fedbens.us/Retire_Stats.pdf http://actuary.defense.gov/

Premium Rates for Current Enrollees

Monthly Premium Rates

$100/day Nursing Home and ALF and $75/day Home Care Benefit

90-Day Waiting Period

Issue 3 Year 5 Year Unlimited

Age FPO 4% ACI 5% ACI FPO 4% ACI 5% ACI FPO 4% ACI 5% ACI

30 $8.40 $25.41 $40.00 $9.40 $30.31 $48.25 $11.40 $41.24 $66.25

35 $10.40 $30.52 $46.25 $11.60 $36.92 $56.50 $14.60 $50.32 $77.50

40 $12.60 $36.78 $54.25 $14.60 $44.35 $66.00 $18.60 $60.87 $91.00

45 $16.40 $45.76 $65.00 $19.00 $55.19 $79.00 $24.80 $75.89 $109.00

50 $21.40 $56.96 $77.75 $25.00 $68.92 $94.75 $32.60 $94.51 $130.25

55 $29.60 $72.54 $95.00 $34.60 $88.20 $116.25 $45.40 $120.18 $158.75

60 $40.60 $92.70 $116.50 $48.20 $112.34 $142.00 $62.80 $152.39 $193.00

65 $58.80 $118.40 $148.00 $69.80 $144.20 $180.25 $90.20 $194.80 $243.50

70 $86.80 $133.28 $154.40 $103.00 $161.30 $187.80 $133.80 $216.75 $252.80

75 $156.80 $220.62 $245.00 $186.60 $268.04 $299.00 $243.60 $361.48 $403.40

80 $258.60 $338.22 $369.20 $308.00 $410.82 $450.40 $403.40 $555.67 $609.20

$100/day Nursing Home and ALF and $100/day Home Care Benefit

90-Day Waiting Period

Issue 2 Year 3 Year 5 Year Unlimited

Age FPO 4% ACI 5% ACI FPO 4% ACI 5% ACI FPO 4% ACI 5% ACI FPO 4% ACI 5% ACI

30 $7.79 $21.71 $34.17 $8.89 $27.18 $42.77 $10.10 $32.78 $52.19 $12.59 $45.15 $72.53

35 $9.52 $25.97 $39.36 $11.10 $32.64 $49.46 $12.58 $39.95 $61.13 $16.26 $55.12 $84.88

40 $11.37 $31.19 $46.00 $13.56 $39.33 $58.02 $15.99 $48.00 $71.43 $20.89 $66.70 $99.72

45 $14.66 $38.79 $55.10 $17.75 $48.97 $69.55 $20.94 $59.76 $85.55 $28.00 $83.19 $119.49

50 $18.99 $48.29 $65.92 $23.27 $60.97 $83.22 $27.70 $74.67 $102.65 $36.95 $103.64 $142.84

55 $26.14 $61.59 $80.66 $32.30 $77.67 $101.72 $38.47 $95.59 $126.00 $51.56 $131.83 $174.14

60 $35.76 $78.90 $99.15 $44.42 $99.31 $124.80 $53.74 $121.82 $153.98 $71.38 $167.21 $211.78

65 $51.89 $105.07 $126.54 $64.32 $131.60 $158.49 $77.83 $161.37 $195.44 $102.30 $220.10 $267.15

70 $76.51 $114.33 $132.44 $95.04 $142.83 $165.46 $115.05 $175.06 $203.82 $151.45 $237.93 $277.49

75 $137.96 $189.24 $210.15 $171.19 $235.87 $261.94 $208.65 $291.15 $324.77 $275.05 $397.07 $443.11

80 $227.12 $290.11 $316.68 $281.51 $360.79 $393.83 $344.75 $446.58 $489.61 $454.36 $610.78 $669.63

Premium Rates for New Enrollees Effective August 1, 2015

FLTCIP 2.1

$100/day Nursing Home and ALF and $100/day Home Care Benefit

90-Day Waiting Period Issue 2 Year 3 Year 5 Year Unlimited Age FPO 4% ACI 5% ACI FPO 4% ACI 5% ACI FPO 4% ACI 5% ACI FPO 4% ACI 5% ACI 30 $8.57 $38.58 $65.01 $9.78 $52.47 $89.17 $13.91 $83.09 $142.24 $19.11 $108.63 $185.89 35 $10.47 $41.80 $67.35 $12.21 $56.88 $92.34 $17.63 $90.23 $147.46 $24.41 $118.17 $193.02 40 $12.51 $45.29 $69.77 $14.92 $61.65 $95.62 $22.33 $97.99 $152.87 $31.18 $128.56 $200.43 45 $16.13 $48.84 $71.70 $19.53 $66.45 $98.16 $28.66 $105.64 $156.92 $40.23 $139.05 $206.37 50 $20.89 $53.38 $74.73 $25.60 $72.65 $102.25 $37.39 $115.68 $163.62 $52.66 $152.85 $216.02 55 $28.75 $67.75 $88.73 $35.53 $86.57 $116.52 $52.21 $137.44 $185.81 $72.95 $180.59 $243.97 60 $39.34 $86.79 $109.07 $48.86 $109.24 $137.28 $75.26 $168.47 $217.76 $105.37 $222.22 $287.12 65 $57.08 $115.58 $139.19 $71.62 $144.76 $174.34 $115.54 $220.63 $272.78 $162.36 $293.05 $362.51 70 $84.16 $126.82 $149.17 $105.09 $171.91 $203.01 $168.01 $273.05 $323.94 $233.80 $359.70 $426.83 75 $151.76 $208.16 $231.17 $188.31 $261.20 $296.56 $267.85 $384.30 $440.41 $368.42 $504.52 $577.86 80 $249.83 $319.12 $348.35 $309.66 $396.87 $433.21 $427.02 $540.88 $598.74 $580.54 $707.66 $782.33

FLTCIP Experience Fund

(dollars in millions)

Fiscal Year Ended Sept 30

Premium Income Claims Paid

Ending Balance Experience

Fund

2003 191.9 0.2 181.2 2004 269.2 1.6 377.6 2005 276.2 4.2 573.6 2006 287.5 8.2 783.0 2007 295.6 14.1 1,043.9 2008 308.1 21.2 1,283.6 2009 313.7 30.9 1,677.5 2010 334.9 43.3 2,053.9 2011 370.3 58.2 2,274.4 2012 416.4 71.9 2,972.0 2013 416.3 89.9 3,483.7

FLTCIP Eligible Population Information