Frequently Asked Questions

Active Duty Service

1. I have been called up for active duty. Can I keep my Federal Long Term Care Insurance Program (FLTCIP) coverage?
    
2. I am being sent to a combat zone in a support capacity. Can I keep my FLTCIP coverage?
    
3. If I am called up for active duty, can my agency pay my FLTCIP premiums?
    
4. If I am called up for active duty, can I incur a debt for the premiums during the time I am in a nonpay status, like I can with the FEHB Program?
    
5. I am being called up to active duty. Can I apply for coverage, and if so, when?
    
6. Now that I have 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 am 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 if I need long term care services for a condition that resulted from my service in a war?

1. I have been called up for active duty. Can I keep my Federal Long Term Care Insurance Program (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.

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2. I am 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.

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3. If I am 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.

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

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 the FLTCIP, your agency does not pay any portion of your premiums and has no legal authority to pay for you.

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5. I am being called up to active duty. Can I apply for coverage, and if so, when?

Members of the uniformed services who are on active duty or full-time National Guard duty for more than 30 days can apply for coverage at any time. For more information, visit the Who's Eligible section of our website. To apply, visit the Apply section of our website.

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6. Now that I have 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.

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7. I currently pay premiums through payroll deduction, but once I am 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.

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 canceled. Since you prefer that your premium not be taken from your active duty pay, automatic bank withdrawal may be a better option for you. To change your billing method, you need to complete a billing change form and mail or fax the completed form to us.

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

There is no war exclusion under the 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.

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