Federal Long Term Care Insurance Program Help Section

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Frequently Asked Questions

Applying for Coverage Under the Federal Program

Alternative Insurance Plan & Service Package

Can you tell me more about the alternative insurance plan and the service package?
Is the Alternative Insurance Plan available to employees, active members of the uniformed services, and their spouses who submit a full underwriting application and are not approved to enroll in the insurance they applied for?

1. Can you tell me more about the alternative insurance plan and the service package?

Everyone who is denied standard coverage will receive information about either the Alternative Insurance Plan or the Service Package from Long Term Care Partners to review at no obligation.

The information will describe what is available in lieu of the standard insurance - either the Alternative Insurance Plan and/or the Service Package. Individuals who are offered both can decide which, if any, they wish to purchase.

Here's a table summarizing what you will be offered if you are denied standard coverage:

Your Federal Affiliation	1 to 3	4 to 7	8 and 9	What You will be Offered
	Your Answers to Questions on the Abbreviated Underwriting Application:
New or newly eligible employee or member of the uniformed services	No (all questions)	No (all questions)	N/A	Standard insurance
New or newly eligible employee or member of the uniformed services	No (all questions)	Yes (one or more questions)	N/A	Choice of either: Alternative Insurance Plan or Service Package
New or newly eligible employee or member of the uniformed services	Yes (one or more questions)	N/A	N/A	Service Package
Newly eligible spouse of either an employee or member of the uniformed services	No (all questions)	No (all questions)	No (all questions)	Standard Insurance
Newly eligible spouse of either an employee or member of the uniformed services	No (all questions)	No (all questions)	Yes (one or more questions)	Possibly Standard insurance. If denied standard insurance, choice of either: Alternative Insurance Plan or Service Package
Newly eligible spouse of either an employee or member of the uniformed services	No (all questions)	Yes (one or more questions)	N/A	Choice of either: Alternative Insurance Plan or Service Package
Newly eligible spouse of either an employee or member of the uniformed services	Yes (one or more questions)	N/A	N/A	Service Package
Everyone using the full underwriting application who is denied standard insurance	N/A	N/A	N/A	Service Package

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2. Is the Alternative Insurance Plan available to employees, active members of the uniformed services, and their spouses who submit a full underwriting application and are not approved to enroll in the insurance they applied for?

No. The Alternative Insurance Plan is ONLY offered in conjunction with the abbreviated underwriting application (NOT the full underwriting application).

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