LTC is the care you need when you can no longer perform daily tasks for an extended period of time, such as: bathing, dressing, eating, toileting, transferring, continence.


Qualifying for Benefits

Qualifying for Benefits

You may be eligible to receive the benefits of your plan if a licensed health care practitioner has certified (provided a written statement describing the nature and degree of physical or cognitive loss, how long services may be needed, and the services that may be required) in the last 12 months that:

  • you are unable to perform, without substantial assistance from another person, at least two activities of daily living for an expected period of at least 90 days due to a loss of functional capacity; or
  • you require substantial supervision due to your severe cognitive impairment

Satisfying your waiting period

If your benefit eligibility is approved, you must first satisfy your plan's waiting period. Your waiting period is identified in your current schedule of benefits, and it is similar to a deductible in other insurance plans. You only have to satisfy your current plan's waiting period once in your lifetime.

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.

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