*** New Website Look and Content changes coming March 28th ***



Skip navigation links
CHR Home
Employment
Benefits
Compensation
Training & Development
Executive Management
HR Offices
Programs & Services
Skip navigation links
eSeminar
Health Insurance
Life Insurance
Dental & Vision Insurance
Flexible Spending Accounts
Long Term Care Insurance
New Employees
Coverage Change
Coverage After Retirement
Coverage After Separation
Non-Pay Status
Active Military Duty

 FLTCIP NEW EMPLOYEES

If you are eligible for Federal Employees Health Benefits (FEHB), you are eligible to apply for long term care coverage with FLTCIP. It does not matter whether you are actually enrolled in FEHB—eligibility is the key. In addition, your qualified relatives—current spouse, adult children, parents, parents-in-law, and stepparents—are also eligible to apply using full underwriting procedures.

If you are on a temporary not-to-exceed appointment, you are eligible to apply for long term care insurance with FLTCIP after you have completed 1 year of continuous employment.

RI 70-1, Guide to Federal Benefits for Federal Civilian Employees, gives an overview of FLTCIP. Additional information is available on the FLTCIP Website.

Once you enroll in FLTCIP, your enrollment automatically continues each year, as long as you remain eligible for the program and continue paying your premiums. You do not have to reenroll each year.

 ACTION REQUIRED TO APPLY

  1. You have 60 days from the effective date of your appointment (or eligibility date) to apply for long term care insurance using an abbreviated underwriting procedure (which asks fewer questions about your health). After the initial 60 days, you may apply using the full underwriting application.
  2. Submit your application directly to the Long Term Care Partners. You cannot apply using the Employee Benefits Information System. You must pass a medical screening (called underwriting). Certain medical conditions, or combinations of conditions, will prevent some people from being approved for coverage.
  3. If your same-sex domestic partner is applying for long term care insurance, you must provide documentation (a “declaration’) that you and your partner meet the definition of same-sex “domestic partnership” by completing CBC 12800-34, Declaration of Same-Sex Domestic Partnership and sending it to the Civilian Benefits Center at the address shown on the form.
  4. If you are approved for coverage, the scheduled effective date will generally be the first day of the first month after your application is approved. You will receive a letter from Long Term Care Partners containing your scheduled effective date and what might change that date. If you apply using the abbreviated underwriting application, you must meet an Actively at Work requirement for your coverage to become effective.
  5. You may pay your premiums to the Long Term Care Partners through payroll deduction, automatic bank withdrawal, or direct bill.
  6. If you elect payroll deduction, you should review the biweekly Leave and Earnings Statement you receive from your payroll office to ensure correct deductions have been withheld and avoid errors for which you could be indebted.
Emergency Preparedness
Key Strategic Documents
Website Accessibility/Section 508
Privacy Notice Terms of Use Contact Us
614 Sicard Street SE, Suite 100, Washington, DC 20374-5072
This is an official U.S. Navy website
FOIA NAVY.mil
No FEAR Act Navy IG
EEO USA.gov