If you are newly employed in a position that conveys eligibility for FEHB coverage, you can apply for this insurance, even if you choose not to enroll in the FEHB program.
You (and your spouse, if you are married) have 60 days from your entrance on duty to apply for Long Term Care Insurance using the abbreviated underwriting application with only a few health-related questions. If you apply after the 60-day new employee enrollment period, you will have to use the long underwriting application with numerous health-related questions, and the program may possibly require a review of medical records and/or an interview with a nurse.
The Federal Long Term Care Insurance Program (FLTCIP) provides long term care insurance for Federal employees and their parents, parents-in-law, stepparents, spouses and adult children.
Long term care insurance is not just for older people. Forty percent of the persons receiving long term care benefits are between the ages of 18 and 64, with many of these people receiving it as they recover from accidental injury or a disease. The cost of the insurance is based on your age when you apply. Consequently, the older you are when you apply, the higher your premiums will be. Certain medical conditions, or combination of conditions will prevent some people from being approved for coverage. It's important to note that not everyone who applies for coverage will be approved by the underwriters.
More detailed information on this program may be found on the OPM Website about Frequently Asked Questions about the FLTCIP. You may apply for this coverage and read about the FLTCIP at www.ltcfeds.com.