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• New Hire Eligibility
• New Hire Materials
• New Hire Talking Points
• FAQs / Abbreviated Underwriting

New Hire Orientations

New Hire Talking Points

The Federal Long Term Care Insurance Program (FLTCIP) is an important topic to include in every New Hire Orientation. It is also easier for employees to apply for the FLTCIP as a new hire or newly eligible employee. So, it's important to provide information about the Program on a timely basis. In the event that an Account Manager is not present at your New Hire Orientations and you are educating new hires about the FLTCIP, we have provided you with some "talking points" - important highlights that every new hire and newly eligible employee should know.

It may never be easier to obtain this important coverage-

• New hires and newly eligible employees, and their spouses, have a  special 60 day period (starting with their hire date or date of eligibility) to apply for long term care insurance coverage with abbreviated underwriting.
• During the special 60 day period, they can apply online.
• After the special 60 day period, eligible individuals can still apply, but must answer more medical questions.

Long term care is not just for the elderly-

• It's not just older adults who need long term care. In fact, nearly 40% of the people who need long term care are under the age of 65.⁵
• By applying now, you could avoid the risk of having a future change in health disqualify you from obtaining coverage.

Applying now can save you money-

• Because premiums are based on your age at the time your application is received, the younger you are when you apply, the lower your premiums.
• You can have premiums deducted from your pay.

Long term care is a family issue-

• Parents, step-parents and parents-in-law can always apply, even if you do not, but must complete the full underwriting application.

What about the future?

• The FLTCIP is completely portable. That means that your coverage continues even if you leave Federal service or retire, as long as you pay your premiums. And premium costs don't go up just because you leave Federal service or retire.
• The FLTCIP includes innovative inflation protection options to ensure the value of your coverage keeps up with the rising cost of care.

Here's how you can learn more for yourself or a qualified relative-

• To request an Information Kit and application, detach, complete, and mail in the postage-paid Business Reply Card found in the New Hire Brochure or visit our Information Request Form online.
• Be sure to include your--or your qualified relative's--date of birth, and the Kit will include a personalized rate quote.

The New Hire Talking Points are also available to download in Adobe PDF format.

To order supplies of the New Hire Brochure or the FLTCIP Video, please see the FLTCIP Educational Materials section, contact your Account Manager directly, email literature@ltcpartners.com, or call 1-800-LTC-FEDS (1-800-582-3337) (TTY: 1-800-843-3557).