Applications Will Be Accepted Outside Open Seasons

OPM has said that those eligible for the FLTCIP program will be allowed to join after the upcoming open season, should they sit out the upcoming opportunity and wish to enroll later. However, all those enrolling outside an open season will have to undergo the “full” underwriting that applies to retirees, their spouses and eligible family members; during open season, active employees and their spouses are subject only to “abbreviated” underwriting. Thus, some active employees and their spouses who might qualify for coverage during an open season might not qualify outside an open season. Incidentally, newly hired employees will have 60 days from hiring to enroll using the abbreviated form. After that, they would have to use the long application form except during an open season.