News and Announcements

06/01/2018

Help Protect Your Family with the Federal Long Term Care Insurance Program
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05/01/2018

Uniformed Services Members: Help Protect Your Family with the Federal Long Term Care Insurance Program
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03/02/2018

Caregiving: The FLTCIP Offers Support When You Need It Most
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Alternative Insurance Plan

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 the U.S. Office of Personnel Management (OPM) and Long Term Care Partners, offers nursing home coverage with a weekly benefit, a two-year benefit period (104 weeks) and a 180 day waiting period.

This plan is available to:


Anyone who applies for insurance under the Federal Long Term Care Insurance Program (FLTCIP) 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.

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

Important note: If you previously applied using the FLTCIP 2.0 Abbreviated Underwriting Application, you can reapply and still use the abbreviated application after the end of your 60 day eligibility period (within six months after the date you became eligible to apply) if your answer to question 1, 2, 3 and/or 5 in Part B has changed from "Yes" to "No" because your condition has resolved. Please call our Customer Service department at the phone number below for assistance.


Apply today

Apply Today!

Federal family members can apply for coverage anytime—you do not have to wait for the next open season. Premiums are based on your age and the premium rates in effect at the time we receive your application—the younger you are when you apply, the lower your premium will be.

apply now