U.S. Office of Personnel Management - Ensuring the Federal Government has an effective civilian workforce

The FLTCIP is medically underwritten.  This means you will be asked to answer questions about your medical history. Certain medical conditions, or combinations of conditions, will prevent some people from being approved for coverage. You apply for coverage by filling out an application either online or on paper. To check the status of your application, call Long Term Care Partners at 1-800-LTCFEDS (1-800-582-3337).

If you apply using the abbreviated underwriting application, you should receive a decision on your application within a few weeks. If you apply using the full underwriting application, it will take longer, perhaps a month or more, depending on how long the underwriting process takes. The scheduled effective date will generally be the first day of the first month after your application is approved. If you are approved for coverage, 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.

You do not have to reenroll every year.  Once you have been approved for coverage and enroll, your coverage automatically continues until you cancel it or stop paying premiums.

New Federal Employee Enrollment Information

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