Alternative Insurance Plan

Some employees, members of the uniformed services and their spouses who apply using the abbreviated underwriting application and are not approved to enroll in the insurance they originally applied for will be offered the Alternative Insurance Plan.

This innovative plan, developed by OPM and Long Term Care Partners, offers nursing home coverage with a weekly benefit, a 2 year benefit period (104 weeks) and a 180 day waiting period.

This plan is available to:

• Anyone who answered "Yes" to any of questions 4-7 in part B (and no to all of questions 1-3) of the abbreviated underwriting application.
   
• Spouses eligible to use the abbreviated underwriting application who answered yes to questions 8 or 9 in part B of the application, no to all of questions 1-3, and were declined for standard coverage.

Anyone who applies for insurance under the Federal Program and is eligible for the Alternative Insurance Plan will automatically receive more information from us about this option.

If you apply for and are denied the standard insurance and are not offered the Alternative Insurance Plan, you will be offered a Service Package. This is true for everyone who applies - those using the abbreviated underwriting application AND those using the full underwriting application.

Note: The Alternative Insurance Plan is not available to those who must use the full underwriting application.