Canceling Your Coverage

If you are a current enrollee and you are considering cancelling your coverage, we recommend that you wait to make this decision until you receive your personalized options form this fall. Frequently Asked Questions are coming soon about the upcoming special decision period for current enrollees.

Before Canceling

Before you cancel your coverage, we ask that you consider the following:

• The Federal Program gives you an opportunity to lower your premiums by adjusting your coverage, while allowing you to maintain a level of insurance protection against the high costs of long term care, should you ever need it.
   
• Long term care insurance is different from health insurance (including the FEHB Program, TRICARE, and TRICARE For Life) and disability insurance. Health insurance pays benefits for acute, short term illnesses and covers things like doctor's visits and hospital stays. Disability insurance is intended to replace your income should you become unable to work due to accident or illness. Long term care insurance pays for ongoing custodial care , whether received in an institutional setting or in your own home.
   
• If you cancel your coverage and then reapply in the future, you may not pass underwriting, or you may be approved but have much higher premiums.
   
• If switching plans, have you accurately compared the Federal Program with other long term care insurance plans you are considering? If not, call us, we can help you compare
   

How to Cancel Your Policy

To cancel your coverage under the Federal Program, please call us at 1-800-582-3337 (TTY: 1-800-843-3557).

If you are entitled to any refund of premium paid past the effective date of your cancellation, we will return it to you in full.