Metropolitan Life Insurance Co. is advising members of the Federal Long Term Care Insurance Program to watch for signs that elderly family members may need long term care.

Even if family members are not covered by the insurance, the federal program offers the services of its care coordinators to federal employees enrolled in the plan who need to arrange LTC services for relatives, MetLife notes.

Among the red flags that may indicate a need to provide professional LTC care, according to MetLife:

Failure to take or to refill needed prescriptions or errors in taking medications due to confusion.

Cupboards frequently empty or food often spoiled.

Failure to open mail regularly.

Misused credit cards or checkbook not balanced as well as in the past.

Dramatically reduced contacts with close friends.

Fear of driving or multiple minor vehicular accidents.

A change in dress or appearance or an unexplained decline in personal hygiene.

A decline in housekeeping habits.

The Federal Long Term Care Insurance Program is administered by Long Term Care Partners LLC, a partnership of MetLife and John Hancock Financial Services, Boston, a subsidiary of Manulife Financial Corp., Toronto.