Frequently Asked Questions

Applying for Coverage

General Questions

1. How do I get an application to apply for coverage under the Federal Long Term Care Insurance Program (FLTCIP)?
    
2. When is the next open season?
    
3. What are the advantages of the FLTCIP?
    
4. I have applied already. When will I hear a decision about my application?
    
5. How can I check on the status of my application?
    
6. If I apply and am approved, when will my coverage be effective?
    
7. Who makes insurability decisions?
    
8. What happens if I misrepresent my health when I apply for coverage?
    
9. Where should I mail my application?
    
10. Can I send two applications in the same envelope?
     
11. Do I need to send two voided checks to Long Term Care Partners if my spouse and I are applying at the same time and we both select automatic bank withdrawal?

1.  How do I get an application to apply for coverage under the Federal Long Term Care Insurance Program (FLTCIP)?

You can apply if you are a member of one of the groups eligible to apply for coverage. To obtain an application (and find out which one to use) go to the Apply section of this website.

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2. When is the next open season?

The FLTCIP does not have annual open seasons. We do not know how frequently we will have them and when the next one will be. The next Open Season has not been scheduled yet. You do not need to wait for an open season! If you are eligible for the Federal Employees Health Benefits Program, you are eligible to apply for coverage under the FLTCIP at any time, using the full underwriting application.

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3. What are the advantages of the FLTCIP?

You can read about the advantages of the FLTCIP by visiting the Why the Federal Long Term Care Insurance Program? section of this website.

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4. I have applied already. When will I hear a decision about my application?

If you applied using the abbreviated underwriting application, you should receive a decision on your application within a few weeks. If you applied using the full underwriting application, it may take longer, perhaps a month or more, depending on whether it was necessary to request copies of your medical records and/or to schedule an interview with a nurse. You will receive a letter from us if we are requesting either medical records or an interview with a nurse.

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5. How can I check on the status of my application?

Call Long Term Care Partners at 1-800-LTC-FEDS (1-800-582-3337) (TTY 1-800-843-3557) to speak to a customer service representative.

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6. If I apply and am approved, when will my coverage be effective?

The scheduled effective date will generally be the first day of the first month after your application is approved. You'll receive a letter from Long Term Care Partners containing your scheduled effective date and information about what might change that date. If you are an active workforce member applying using the abbreviated underwriting application, you must meet the actively at work requirement for your coverage to become effective.

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7. Who makes insurability decisions?

Long Term Care Partners makes all insurability decisions, and those decisions cannot be appealed to OPM. However, an applicant may ask Long Term Care Partners to reconsider its insurability decision. If you apply and are denied coverage, the denial letter will include instructions on how to request a reconsideration of the denial.

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8. What happens if I misrepresent my health when I apply for coverage?

It is your duty to inform Long Term Care Partners, in writing or via secure web email, if between the date your application is submitted and the date your insurance coverage is effective: 1) your health changes in a way that would cause any answer given on your application to no longer be correct, or 2) you receive medical advice or treatment from a physician or other health care practitioner for a condition that would affect an answer to any question on your application.

A statement made by you that relates to insurability may be used to void (rescind) your coverage and/or to deny an otherwise valid claim if the statement was contained in a written form that your signed (such as your application).

If your coverage has been in force for less than six month, it may be voided or denied if you have misrepresented or omitted any material on your application.

If your coverage has been in force for at least six months but less than two years, it may be voided or denied upon showing of a misrepresentation or omission relevant to the condition for which you are filing for benefits.

If your coverage has been in force for two years or more, it may be voided or denied upon showing that you knowingly, by statement or omission, provided inaccurate or misleading information to your insurability.

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9. Where should I mail my application?

Please mail your application to Long Term Care Partners, P.O. Box 797, Greenland, NH 03840-0797.

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10. Can I send two applications in the same envelope?

Yes.

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11. Do I need to send two voided checks to Long Term Care Partners if my spouse and I are applying at the same time and we both select automatic bank withdrawal?

Yes. Each application is reviewed separately and even if you mail the two applications in the same envelope (which is okay), they will not remain together for processing. Therefore, you must each submit the required documentation (a blank voided check or a deposit slip) for automatic bank withdrawal. And, if the account is a joint account, please be sure that you both sign each other's application.

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