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Effective Date of Coverage and Actively at Work Requirement
Coverage under the Federal Long Term Care Program (FLTCIP) becomes effective on the first day of the month after the month in which you are approved. For example, if you are approved for coverage on April 15, your coverage becomes effective May 1. However, Employees and Members of the Uniformed Services who apply using the abbreviated underwriting application or the abbreviated underwriting section of the coverage change application must meet the actively at work requirement described below in order for their coverage to become effective.
If you are an Employee or a Member of the Uniformed Services who submitted an abbreviated underwriting application, you must be Actively at Work at least one day during the calendar week immediately prior to the week which contains the Original Effective Date shown on your Schedule of Benefits. From time to time, OPM may implement revised Actively at Work requirements for specified periods under the FLTCIP. For example, revised actively at work requirements apply to the effective date of a change to FLTCIP 2.0 for enrollees in FLTCIP 1.0 who apply using the abbreviated underwriting section of the coverage change application during the special decision period.
You must inform us if you do not meet this requirement. In the event you do not meet this requirement, we will issue you a revised Original Effective Date, which will be the 1st day of the next month. You also must meet the Actively at Work requirement for any revised Original Effective Date for coverage to become effective, or you will be issued another revised Original Effective Date in the same manner. You must notify us if you are not Actively at Work on your new Original Effective Date. In this case, your coverage will not go into effect until you are Actively at Work as required above.
Your Original Effective Date does not change under this Actively at Work requirement if you were involuntarily separated from Federal civilian service (for reasons other than your misconduct) or from the uniformed services (except for a dishonorable discharge) after your application date but before your Original Effective Date.
Actively at work means:
- for an Employee, that you meet all of the following conditions:
- you are reporting for work at an approved location and work at least ½ of your regularly scheduled hours for that day location; and
- you are able to perform all the usual and customary duties of your employment on your regular work schedule;
- for a Member of the Uniformed Services, that you are on active duty and are physically able to perform the duties of your position.