How Postponed Retirement Affects Federal Long-Term Care Insurance Federal employees enrolled in the Federal Long-Term Care Insurance Program (FLTCIP) can maintain coverage even if they opt for FERS postponed retirement. Since FLTCIP premiums are not deducted from a FERS annuity, retirees must arrange to pay premiums directly to avoid coverage lapse. If you plan to postpone retirement... https://www.federalpensionadvisors.com/post/fers-postponed-retirement