Long-Term Care Security Act
Official title: A bill to amend title 5, United States Code, to provide for the establishment of a program under which long-term care insurance is made available to Federal em… Show full official titleShow less
Official title: A bill to amend title 5, United States Code, to provide for the establishment of a program under which long-term care insurance is made available to Federal employees, members of the uniformed services, and civilian and military retirees, provide for the correction of retirement coverage errors under chapters 83 and 84 of such title, and for other purposes.
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Became Public Law No: 106-265.
Directs OPM, without regard to statutes requiring competitive bidding, to contract with one or more qualified carriers to provide such insurance. Sets forth contract terms and conditions, including that the carrier participate in an administrative process to settle claim disputes. Provides for seven-year contracts. Requires OPM, after a certain period, to recommend to specified congressional committees whether the insurance program should be continued. Requires each master insurance contract to include full portability of benefits.
Makes insured individuals responsible for 100 percent of the charges of coverage and allows individuals to have amounts withheld from pay for their coverage and coverage for qualified relatives. Requires each carrier to maintain a separate accounting of premium amounts received.
Provides that contract terms for coverage or benefits under this Act shall preempt State and local law relating to long-term care insurance or contracts.
Requires qualified carriers to furnish reasonable reports and permit audits. Requires two reports from the General Accounting Office to OPM and each House of Congress evaluating the insurance program.
Provides jurisdiction for disputed claims through U.S. district courts after exhausting all available administrative remedies.
- Engrossed Amendment House Formatted Text PDF
- Engrossed Amendment Senate Formatted Text PDF
- Engrossed in House Formatted Text PDF
- Enrolled Bill Formatted Text PDF
- Introduced in House Formatted Text PDF
- Public Law Formatted Text PDF
- Referred in Senate Formatted Text PDF
- Reported in House Formatted Text PDF
Cite this page
U.S. Congress. (2026). H.R. 4040: Long-Term Care Security Act. 106th Congress. Open America. https://openamerica.io/bill/106-HR-4040/
"H.R. 4040: Long-Term Care Security Act." 106th Congress, 2026, Open America, https://openamerica.io/bill/106-HR-4040/.
H.R. 4040, 106th Cong. (2026), https://openamerica.io/bill/106-HR-4040/.
[H.R. 4040: Long-Term Care Security Act](https://openamerica.io/bill/106-HR-4040/)