Frequently Asked Questions

Active Duty Service

1. I've been called up for active duty. Can I keep my FLTCIP coverage?
    
2. I'm being sent to a combat zone in a support capacity. Can I keep my FLTCIP coverage?
    
3. If I'm called up for active duty, can my agency pay my FLTCIP premiums?
    
4. If I'm called up for active duty, can I incur a debt for the premiums during the time I'm in a nonpay status, like I can with FEHB?
    
5. I didn't apply for coverage during the Open Season, but now that I'm being called up for active duty, I'd like to apply. Is it too late?
    
6. Now that I've been called up for active duty, can I have my premiums deducted from my active duty pay?
    
7. I currently pay premiums through payroll deduction, but once I'm deployed, I would rather not have premiums deducted from my active duty pay. What are my other options?
    
8. Would my FLTCIP coverage provide benefits should I need long term care services for a condition that resulted from my service in a war?

1. I've been called up for active duty. Can I keep my FLTCIP coverage?

Yes, you can keep your FLTCIP coverage as long as you continue to pay your premiums. There is no Government contribution toward your premiums.

[ Back to Top of Page ]
 

2. I'm being sent to a combat zone in a support capacity. Can I keep my FLTCIP coverage?

Yes, you can keep your FLTCIP coverage as long as you continue to pay your premiums. There is no Government contribution toward your premiums.

[ Back to Top of Page ]
 

3. If I'm called up for active duty, can my agency pay my FLTCIP premiums?

No. There is no provision in the law that would allow your agency to pay your FLTCIP premiums.

[ Back to Top of Page ]
 

4. If I'm called up for active duty, can I incur a debt for the premiums during the time I'm in a nonpay status, like I can with FEHB?

No, you must keep your premium payments current in order to keep your coverage. There is no Government contribution toward premiums for this program.

With FEHB, you incur a debt to your agency, which pays both your portion and the Government's portion of your premiums to the health benefits plan. Under FLTCIP, your agency does not pay any portion of your premiums and has no legal authority to pay for you.

[ Back to Top of Page ]
 

5. I didn't apply for coverage during the Open Season, but now that I'm being called up for active duty, I'd like to apply. Is it too late?

No, it's not too late. You can apply for coverage as long as you are in an eligible group. Most Federal civilian employees and active members of the uniformed services are eligible to apply.

You will have to complete a full underwriting application, which asks several questions about your health. Certain medical conditions or combinations of conditions will prevent some people from being approved for coverage.

Please be aware that it may take several weeks for Long Term Care Partners to complete the underwriting and make a decision on your application once you submit it.

[ Back to Top of Page ]

6. Now that I've been called up for active duty, can I have my premiums deducted from my active duty pay?

Yes. If you currently have payroll deduction of premiums, contact us at 1-800-LTC-FEDS (1-800-582-3337), TTY 1-800-843-3557, and explain that your servicing payroll location is changing.

If you currently pay premiums through automatic bank withdrawal or direct bill, you will need to complete a billing change form and mail it to us to get premiums deducted from your active duty pay.

[ Back to Top of Page ]

7. I currently pay premiums through payroll deduction, but once I'm deployed, I would rather not have premiums deducted from my active duty pay. What are my other options?

You can have automatic bank withdrawal of premiums, or you can choose to be billed directly. To change your billing method, you need to complete a billing change form and mail it to us.

If you will be deployed overseas, it may not be feasible for you to receive and pay direct bills on a timely basis. And, if you don't pay on a timely basis, your coverage may be cancelled. Payroll deduction or automatic bank withdrawal would most likely be better options for you.

[ Back to Top of Page ]

8. Would my FLTCIP coverage provide benefits should I need long term care services for a condition that resulted from my service in a war?

There is no war exclusion under FLTCIP. Whether you are a civilian or member of the uniformed services, benefits may be payable for conditions due to war or acts of war, declared or undeclared, or service in the armed forces or auxiliary units.

However, the FLTCIP does not pay benefits for care or treatment you would receive in a government facility, including a Department of Defense or Department of Veterans Affairs facility, unless otherwise required by law.

[ Back to Top of Page ]