Letter carriers or retired carriers can apply for coverage under the Federal Long Term Care Insurance Program at any time. You do not have to wait until the next Open Season, but must submit a "full underwriting" application. "Full underwriting" means that applicants will have to answer numerous health-related questions. It may also include a review of medical records and possibly an interview with a nurse. OPM has stated that this is the same level of underwriting that those who purchase individual policies in the private market undergo.
Letter carriers may obtain additional information about any aspect of the Long-Term Care Program by calling 1-800-582-3337 or visiting the LTC web site at www.LTCFEDS.com.
You can also download application forms or apply on line at that website. |
|
More
Information |
| December 2007 Postal Record: NALC's Retirement Department: Ready for the baby boom (PDF 215K) |
July 2002 Postal Record, Retirement Department Column: Advice on Long-Term Care Insurance Program: (PDF 129K) |
| OPM's Web page giving additional information about the long-term care insurance program. |
|