Underwriting the Key Advantage

While eligible persons can enroll in the FLTCIP program at any time, several advantages in the program connected with the current open season will expire with that opportunity. Active employees and their spouses are subject only to “abbreviated” underwriting in the current open season, meaning they have to answer only a limited number of questions essentially designed to determine if they currently would be eligible to draw benefits, or soon would be. OPM has not guaranteed that in any future open season active employees and their spouses will be eligible for abbreviated underwriting. After the open season, abbreviated underwriting will apply only to newly hired employees and their spouses who apply within 60 days of the hiring.