Some Differences for Early Enrollees

Those joining the LTC program during the early enrollment opportunity will not be able to have premiums withheld from their pay or annuities, as will those who enroll in the open season. They will be offered the choice of direct billing or automatic bank withdrawals. Early participants will be able to switch to withholding during the open season if they prefer. They also will be able to change benefits during the open season-certain details of that arrangement still are to be announced-and the age of the person as of the early enrollment will be “preserved” for rate purposes for those altering their benefits during the open season. Also, the underwriting requirements (questions about health) will be the same for both the early enrollment and regular open season periods.