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 Web site.

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.

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.

• Office of Personnel Management FLTCIP Web Site
• FLTCIP Frequently Asked Questions