Applying for Coverage - Actively at Work

Select a question below:

• Who needs to be actively at work for their Federal Long Term Care Insurance Program (FLTCIP) 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 that contains the original effective date shown on your Schedule of Benefits.
• What does it mean to be actively at work?
• For employees (other than members of the uniformed services) applying with the abbreviated underwriting application, it means you meet all of the following conditions:
  
  
  • you are reporting for work at an approved work location and you work at least one-half of your regularly scheduled hours for that day; and
  • you are able to perform all the usual and customary duties of your employment on your regular work schedule.
  For members of the uniformed services, actively at work means that you are on active duty and are physically able to perform the duties of your position.
• What happens if I'm not actively at work at all during the week prior to the original effective date of my coverage?
• If you do not meet the actively at work requirement for your original effective date, you must contact Long Term Care Partners with that information. Long Term Care Partners will then issue a revised effective date, which will be the first day of the month after the date you return to being actively at work.
  
  However, for coverage to become effective on the revised effective date, you must meet the actively at work requirement for that date as well. Your coverage will not become effective until you meet the actively at work requirement for the coverage effective date issued by Long Term Care Partners. If Long Term Care Partners discovers that you did not meet the actively at work requirement for the "effective" date of your coverage, benefits will not be paid because your coverage never went into effect.
• I'm an employee applying using the full underwriting application. Do I still have to be actively at work in order for my coverage to become effective?
• No. The actively at work requirement applies only to employees who are applying for coverage using the abbreviated underwriting application.
• I'm the new spouse of an employee. Does the employee I'm related to have to be actively at work in order for my coverage to become effective?
• No. The actively at work requirement applies only to employees who are applying for coverage using the abbreviated underwriting application.
• I'm the new spouse of an employee and am applying using the abbreviated underwriting application. I have a non-Federal job. Do I have to be actively at work at that job in order for my coverage to become effective?
• No. The actively at work requirement applies only to Federal employees who are applying for coverage using the abbreviated underwriting application.
• I'm on leave without pay to work for the union. How can I meet the actively at work requirement if I'm not at my Federal job?
• If you are on leave without pay from your eligible Federal position and you meet one of the following four criteria, you do not have to be actively at work with your Federal agency on your scheduled effective date:
  
  
  1. you work full-time for an employee organization (e.g., union)
  2. you work on a detail to an international organization
  3. you work on a temporary assignment to a state, local, or Indian tribal government, institution of higher education
  4. you work at any other organization eligible under the Intergovernmental Personnel Act of 1970
  However, you must meet the actively at work requirement at your current employment site in order for your coverage to become effective.
• I'm a new employee and I'm also in the Reserves. I'm going to be activated very soon. My coverage is scheduled to go into effect on the first of the month. Your other FAQs say that if I'm in a leave status, I'm not actively at work. But what if I'm on leave without pay from my Federal job, on active duty in the uniformed services on that date—will my coverage still become effective on my scheduled effective date?
• Yes, it will, assuming your health hasn't changed in such a way as to change the answers to any questions on your application.
• I work from home (telework) every other week. Is this considered actively at work?
• Yes, if your home or other telework site is an approved work location. You must meet the other actively at work requirements as well.