Welcome to the federal family. As a new or newly eligible employee or uniformed service member, you can apply for Federal Long Term Care Insurance Program (FLTCIP) coverage using abbreviated underwriting if you apply within 60 days of your hire date, or eligibility date. This means we ask fewer questions about your health to determine if you're approved for coverage.
Who can apply?
The following federal and U.S. Postal Service employees, active uniformed service members, and spouses can apply with abbreviated underwriting.
New hire
applying within 60 days of your hire date
Spouse
of a new or newly eligible employee applying within 60 days of the employee's hire or eligibility date
Newly eligible employee
applying within 60 days of your eligibility date: This includes:
- an employee who transferred from a position that was not eligible for the FLTCIP to one that is
- an employee who returned to an eligible position after a break in government service of at least 180 days
Newly married spouse
of an employee applying within 60 days of your marriage date
Actively at work
Employees or uniformed service members who submit an abbreviated underwriting application must be actively at work at least one day during the week prior to your coverage going into effect, for it to become effective. This does not apply to spouses.
Get started
Find a Plan
Our Guided Planner will help you build a plan based on three benefit choices. These, along with your age, will determine your coverage and premium.
Apply
You have 60 days from the date you were hired, or became eligible, to apply with abbreviated underwriting. Download a kit, or apply online.
Need help?
Our program consultants can walk you step-by-step through the plan design process, provide personalized quotes, and help you complete an application for coverage.
Make the most out of the coverage available to you. Certain family members, including your parents, are eligible to apply for FLTCIP coverage, even if you don't. Talk to your eligible family members about this important program.