Categories: Fedweek

LTC Coverage Definition Expanded

A question on the “full underwriting” application form for the Federal Long Term Care Insurance Program is being changed to make clear that the basal cell and squamous cell cancers of the skin will not be an exclusion from eligibility. The question, asking about “cancer within the past two years” is not on the “abbreviated” underwriting form, which applies to current employees and their spouses during the current FLTCIP open season. All other applicants are subject to the full underwriting form; that form also will be used for active employees who decide not to enroll during the current open season-which ends December 31–but who wish to enroll later. An errata sheet is being sent out with future full underwriting applications, and the carrier will contact any applicants who have answered “yes” to that question. It will approve the application-assuming nothing else on the form would exclude that person-if the only cancers the person have had in that time were basal cell and squamous cell cancers of the skin.

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