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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 use depends on which group makes you eligible to apply for coverage under the Federal Program.
 

The Abbreviated Underwriting Application

The groups listed below are eligible to use the Abbreviated Underwriting Application within 60 days of becoming eligible.

• 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
     
• Newly married spouses of employees

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

All applicants, other than those listed above, must use the Full Underwriting Application. This is the same level of underwriting those who purchase individual policies in the private market undergo.

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 , download the Full Underwriting Application, or apply using our secure online application.
 

Call: 1-800-LTC-FEDS (1-800-582-3337) (TTY: 1-800-843-3557)

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