Which Application to Use

There are two different applications for the Federal Long Term Care Insurance Program: the Full Underwriting application and the Abbreviated Underwriting application. Which application you can use depends on which group makes you eligible to apply for coverage under the Federal Program.
 

The Abbreviated Underwriting Application

The persons listed below can apply using the abbreviated underwriting application within 60 days of becoming eligible. In addition, members of these groups can also apply using our secure online application.

• New or newly eligible employees, including:
   
  • Federal employees in positions that convey eligibility for the Federal Employees Health Benefits Program (whether or not they are actually enrolled in FEHB).
     
  • U.S. Postal Service employees in positions that convey eligibility for the FEHB (whether or not they are actually enrolled in FEHB)
     
  • Active Members of the Uniformed Services who are on active duty or full-time National Guard duty for more than 30 days
     
  • Active Members of the Selected Reserve (Members of the Individual Ready Reserve are NOT eligible to apply)
     
  • Tennessee Valley Authority employees (even though they may not be eligible for FEHB coverage)
     
  • D.C. Courts employees
     
  • Navy Personnel Command (BUPERS) NAF employees
     
  • Employees who transfer from a position that does not convey eligibility for this Program to one that does
     
  • Employees who return to an eligible position after a break in service of at least 180 days
     
  • Spouses of Employees listed here
     
• The newly married spouses of eligible persons in the groups described above (within 60 days from the date of marriage)

Get more information about Abbreviated Underwriting in our Abbreviated Underwriting FAQs or download the Abbreviated Underwriting application.
 

The Full Underwriting Application

All applicants, other than those listed above, must use the Full Underwriting Application. You don't have to wait for an Open Season to apply. This is the same level of underwriting applied to those who purchase individual policies in the private market.

Full underwriting requires that you answer more health-related questions than with abbreviated underwriting. It may also include a review of medical records and possibly an interview with a nurse.

Get more information about Full Underwriting in our Underwriting FAQs or download the Full Underwriting application.