Change in Status Also Addressed

The OPM guidance also clarifies what will happen when an individual has a change in status after applying for LTC coverage but before the coverage is effective. Says OPM, “Generally, if you leave the eligible group during that time period, your insurance will not become effective. But there are some exceptions. If you retire from active service after you apply but before the coverage is effective, you must reapply using the long form application, as a retiree. And, if you apply as an employee and are involuntarily separated before your coverage is effective, it will still become effective as if you hadn’t separated.”