Frequently Asked Questions

Applying for Coverage Under the Federal Program

General Questions

1. I didn't apply during Open Season. Can I still apply now? How do I get an application?
    
2. What are the advantages of the Federal Program? Why should I consider applying?
    
3. I've applied already. When will I hear a decision about my application?
    
4. How can I check on the status of my application?
    
5. If I apply and I'm approved for coverage, when will my coverage be effective?
    
6. Who makes insurability decisions?
    
7. Where should I mail my application?
    
8. Can I send two applications in the same envelope?
    
9. 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?
    
10. When is the next Open Season?

1.  I didn't apply during Open Season. Can I still apply now? How do I get an application?

YES, you can apply now using the Full Underwriting application if you are in one of the groups eligible to apply for coverage! To get an Information Kit with application, go to the Information and Forms section of this website.

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2. What are the advantages of the Federal Program? Why should I consider applying?

You can read about the advantages of the Federal Program by going to the Why the Federal Long Term Care Insurance Program section of this website.

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3. I've 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 will 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.

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4. 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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5. If I apply and I'm approved for coverage, 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 what might change that date. If you apply using the abbreviated underwriting application, you must meet an Actively at Work requirement for your coverage to become effective.

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6. 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, you can find out how to request a reconsideration by reading the information in the letter you received from Long Term Care Partners that explains why your application was not approved.

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7. Where should I mail my application?

Please mail your application to Long Term Care Partners, P.O. Box 797, Greenland, NH 03840-0797, EVEN IF there is a different address listed on your application.

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

Yes.

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9. 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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10. When is the next Open Season?

This program 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're in an eligible group, you can apply at any time, using the Full Underwriting Application.

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