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Which Application to Use
There are two different applications for the Federal Long Term Care Insurance Program (FLTCIP): the Full Underwriting Application and the Abbreviated Underwriting Application. Which application you can use depends on how you are eligible to apply for coverage under the FLTCIP.
The Abbreviated Underwriting Application
Only the persons listed below can apply using the Abbreviated Underwriting Application within 60 days of becoming eligible.
- New or newly eligible employees, including:
- Employees who transfer from a position that does not convey eligibility for the FLTCIP to one that does
- Employees who return to an eligible position after a break in service of at least 180 days
- Spouses of new/newly eligible employees
- Newly married spouses of employees (within 60 days from the date of marriage)
Get more information about abbreviated underwriting in our Abbreviated Underwriting FAQs, download the Abbreviated Underwriting Application, or apply using our secure online application.
The Full Underwriting Application
Applicants who are not new/newly eligibile employees, must use the Full Underwriting Application.
Full underwriting requires that you answer more health-related questions. It may also include a review of your medical records and an interview with a nurse.
Get more information about full underwriting in our Underwriting FAQs, download the Full Underwriting Application, or apply using our secure online application.