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Actively at Work Requirement

If you are an employee or a member of the uniformed services for purposes of the Federal Program and you
submit an abbreviated underwriting application which we approve for coverage, you must be actively at work
on the original effective date shown on your Schedule of Benefits that we send you. If your original effective
date falls on a weekend or holiday, you must be actively at work on the last work-day before your original
effective date.

Actively at work means:

You must notify us if you are not actively at work as stated above. In this case, your coverage will not go into
effect until the first day of the month on or after the date you return to being actively at work. That date will then
be your new effective date provided that you are actively at work on that date. If your new effective date falls on a
weekend or holiday, you must be actively at work on the last work-day before your new effective date.

You must notify us of the date you return to active work and we will send you a new Schedule of Benefits. You must notify us if you are not actively at work on your new effective date. In this case, your coverage will not go into effect until you are actively at work as stated above.

Your effective date will not change under this actively at work requirement if you were involuntarily separated
(for reasons other than your gross misconduct) after your application date but before your effective date.

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