While OPM earlier had said that an increase was coming, the size of the hike is raising questions about how OPM and the carrier could have been so far off in their projections. Several members of Congress already have posed such questions in letters directly to OPM and in calling for hearings. Also, OPM is being pressed to explain what it did to encourage competition for the latest contract in light of a 2011 GAO report laying out reasons companies are getting out of the LTC business (the current provider was the only bidder on the latest solicitation), and how OPM responded to the experience of 2009, when the contract was last renewed and the same factors were blamed for premium increases then. Another issue arising is how well enrollees were warned of the potential for premium increases; while the disclosure documents state that premiums can rise for those reasons for a category of employees—although not due to an individual’s age or health situation–many enrollees say they enrolled on the belief that their premiums would be locked in for life. Given that the rates are set by a contract that is now in effect and that will last for seven years, however, it’s questionable whether even hearings could do much more than get more detailed explanations and create pressure against further increases. The program is required to be self-funding with premiums paid solely by the enrollees, and there is no indication of any intent by the government to put money into it. The carrier has said that “we believe at this time that the increased premium should be sufficient to meet the program’s future, projected claims costs. However, new information could affect future conclusions about the FLTCIP’s premium sufficiency. We cannot guarantee that there will be no future premium increases.”