One provision of the new Federal Long Term Care Insurance Program that has drawn little attention as eligible persons weigh whether to enroll during the current open season is that coverage levels can be either increased or decreased at any time. An enrollee can decrease to anything that is available under the program, and premiums (which will be based on original age) will also decrease. Enrollees would not have to undergo new underwriting in order to decrease your coverage. However, there is no “paid-up benefit” crediting for premiums already paid for a higher level of coverage. An enrollee at any time also may request an increase in your coverage. However, in order to receive approval of a request for an increase outside of open season, the enrollee would have to provide, at his or her own expense, evidence of good health that is satisfactory the carrier. The amount of an increase is subject to what’s then available under the program. The additional premium will be based on the enrollee’s age and the premium rates in effect at the time the increase takes effect.